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统计学习模型用于测量COVID-19对金融脆弱性的影响
Arianna Agosto1, Paolo Giudici1, Alessandra Tanda1
1Department of Economics and Management, University of Pavia, Pavia, Lombardy, Italy.
COVID-19的经济冲击影响了意大利家庭的财务状况,影响了支出和偿还债务. 在危机期间,金融素养和教育是管理金融脆弱性的关键因素.
科学领域:
- 社会经济学 社会经济学
- 行为经济学是一种行为经济学.
- 金融素养研究 金融素养研究
背景情况:
- COVID-19 疫情引发了前所未有的全球经济混乱.
- 了解家庭的财务性对于经济稳定至关重要.
- 由于大流行,意大利家庭面临着重大的经济挑战.
研究的目的:
- 调查COVID-19经济冲击对意大利家庭财务决策的影响.
- 评估家庭管理日常开支,债务和意外成本的能力.
- 开发和应用一个融入金融素养和教育的金融脆弱性指标.
主要方法:
- 对意大利家庭进行了一项调查,以收集有关财务行为的数据.
- 使用统计学习模型来分析收集的数据.
- 创建了一个家庭财务脆弱性的综合指标,整合了财务素养和教育指标.
主要成果:
- 由于COVID-19的经济冲击,家庭的财务和经济决策发生了明显的变化.
- 家庭应对日常购买,偿还债务和意外开支的能力受到重大影响.
- 财务素养和教育水平被发现是家庭财务脆弱性的组成部分.
结论:
- 随着COVID-19的流行,意大利家庭的财务稳定受到重大挑战.
- 财务脆弱性与个人的财务素养和教育背景密切相关.
- 开发的综合指标为评估和解决家庭财务脆弱性提供了有价值的工具.
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