| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w16271 |
| 来源ID | Working Paper 16271 |
| What Does Financial Literacy Training Teach Us? | |
| Bruce Ian Carlin; David T. Robinson | |
| 发表日期 | 2010-08-19 |
| 出版年 | 2010 |
| 语种 | 英语 |
| 摘要 | This paper uses a quasi natural experiment to explore how financial education changes savings, investment, and consumer behavior. We use data from a Junior Achievement Finance Park to measure the effect of a financial literacy program on students who are assigned fictitious life situations and asked to create household budgets for these roles. The treatment effects of the financial literacy program are strong. Students who experienced training were somewhat better at making current-cost/current-benefit tradeoff decisions (spending more today versus spending less today). But the tendency to try to save more today often led them to make poor choices when they faced tradeoffs between current-costs and future-benefits today (i.e., when spending more today is cheaper in present value terms). Most importantly, students who had attended training showed greater up-take of decision support that was offered in the park. This indicates that decision support and financial literacy training are complements, not substitutes. |
| 主题 | Other ; General, Teaching ; Financial Economics ; Financial Markets ; Public Economics ; National Fiscal Issues |
| URL | https://www.nber.org/papers/w16271 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/573944 |
| 推荐引用方式 GB/T 7714 | Bruce Ian Carlin,David T. Robinson. What Does Financial Literacy Training Teach Us?. 2010. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w16271.pdf（272KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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