感知金融脆弱性,财富和财富变化:健康和退休研究
Madison Maynard1, Emily V Flores2,3, Daniel Paulson1
1Department of Psychology, University of Central Florida, Orlando, Florida, USA.
财务损失增加了老年人对财务脆弱性的感知. 感知金融脆弱性 (PFV) 规模有效地衡量了这一点,突出了对全面金融评估的需求.
科学领域:
- 老年学是一门学科.
- 行为经济学是一种行为经济学.
- 公共卫生 公共卫生
背景情况:
- 6项感知金融脆弱性 (PFV) 尺度衡量财务意识和心理脆弱性.
- 之前的研究在健康和退休研究 (HRS) 中将PFV与财富,人口统计和健康联系起来.
研究的目的:
- 调查财富,财富变化和感知到的金融脆弱性之间的关系.
- 评估财富动态对老年人的财务脆弱性的预测效用.
主要方法:
- 分析了来自1056名受访者的HRS数据.
- 基准资产 (2016) 和财富变化 (2016-2018) 的分层分成分数.
- 多个线性回归模型来评估人口统计,基线财富和财富变化对2018年的PFV的影响.
主要成果:
- 财富变化和基线财富都与PFV有显著的关联.
- 财富损失,独立于基线财富,线性预测增加感知到的金融脆弱性.
结论:
- 这项研究验证了PFV尺度的实用性.
- 调查结果强调整合财务和人口数据,以全面了解财务福祉.
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