数学焦虑和财务焦虑 预测个人的财务管理行为
Ziqiang Xin1, Huiwen Xiao1, Gege Lin2
1Department of Psychology, Renmin University of China, Beijing 100872, China.
Depression and anxiety
|April 14, 2025
概括
财务焦虑,而不是数学焦虑,显著预测财务管理行为. 减少数学和财务焦虑对于提高个人财务管理技能至关重要.
科学领域:
- 行为经济学是一种行为经济学.
- 认知心理学 认知心理学
背景情况:
- 金融文本经常包含数学和金融信息,可能会引发数学和金融焦虑.
- 有限的研究存在于背景焦虑在财务管理行为中的预测作用.
研究的目的:
- 研究数学焦虑,财务焦虑和财务管理行为之间的关系.
- 确定这些焦虑对财务决策和避免的预测能力.
主要方法:
- 研究1:对186名员工进行调查,使用焦虑和财务管理行为尺度.
- 研究2:与高和低的财务焦虑组进行实验设计,以评估任务回避行为.
主要成果:
- 财务焦虑完全调解了数学焦虑对财务管理的负面影响.
- 财务焦虑 (r = -0.45) 比数学焦虑 (r = -0.24) 更强烈地预测财务管理行为.
- 高度财务焦虑的个体是2.75倍更有可能表现出金融回避.
结论:
- 财务焦虑是财务管理行为的关键预测因素,可能源于自我认知而不是能力.
- 建议采取旨在减少财务和数学焦虑的干预措施,以加强财务管理.
- 解决焦虑是激励个人有效管理财务状况的主要步骤.
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