青春期心理症状与债务之间的关联或在新兴的成年期经历的财务短缺
Susan J Ravensbergen1, Nina H Grootendorst-van Mil1,2, Richard Wesseloo1,2,3
1Department of Psychiatry, Erasmus MC University Medical Center Rotterdam, Rotterdam, The Netherlands.
BJPsych open
|September 19, 2025
概括
青少年精神症状,包括注意力缺陷/过度活跃和对立挑问题,预测未来的财务困难,如无担保债务和短缺. 早期的金融教育可能会使弱势年轻人受益.
科学领域:
- 精神病学是一个精神病学.
- 发展心理学 发展心理学
- 金融素养 金融素养
背景情况:
- 患有精神疾病的患者经常面临经济困难.
- 关于青少年精神病理和成人财务问题之间长期联系的研究有限.
研究的目的:
- 调查特定的青少年心理症状是否预示着未成年人的未担保债务和财务短缺.
主要方法:
- 荷兰青少年队列的纵向研究 (N=659).
- 15岁时自我报告的心理症状 (青年自我报告,Prodromal问卷-16)
- 在18岁时评估了无担保债务和财务短缺.
- 使用后勤和线性回归,控制基线因素.
主要成果:
- 注意力缺陷/过度活动问题,反对性挑问题,青春期的精神病经历预测了成年后的未担保债务.
- 青少年的抑郁,焦虑,注意力缺陷/多动,对立的挑,行为问题和精神病经历与经历的财务短缺增加有关.
结论:
- 青少年心理症状是成年早期客观和主观财务挑战的先驱.
- 将金融教育纳入心理健康预防计划可以提供长期的实质性优势.
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