CAJ | 학술논문

运用Ordered logit回归方法，对陕西省1337名大学生的问卷调查数据进行了计量分析，检验了学校教育、家庭教育对个人金融认知的影响以及金融认知和网络消费依存度对大学生金融行为的影响。经验分析结果表明：学校教育对个人金融认知的影响显著大于家庭教育，学校教育可以弥补城乡学生间个体金融认知的初始差异；相对于基础金融知识，拥有更多高级金融知识的个人更容易接受新兴金融产品；网络消费依存度高的个人更容易尝试新兴金融产品，而且网络实践经验对个人接受新兴金融产品的影响要大于书本教育。
운용Ordered logit회귀방법，대합서성1337명대학생적문권조사수거진행료계량분석，검험료학교교육、가정교육대개인금융인지적영향이급금융인지화망락소비의존도대대학생금융행위적영향。경험분석결과표명：학교교육대개인금융인지적영향현저대우가정교육，학교교육가이미보성향학생간개체금융인지적초시차이；상대우기출금융지식，옹유경다고급금융지식적개인경용역접수신흥금융산품；망락소비의존도고적개인경용역상시신흥금융산품，이차망락실천경험대개인접수신흥금융산품적영향요대우서본교육。
Based on survey data collected on 1337 college students in Shanxi province, this paper aims to seek the relationship between school education, home education and financial literacy, test how financial literacy and the dependence on network consumption are used to affect financial behavior among college students. The result indicates: the impact of school education on personal financial literacy is significantly greater than home education;school education can make up for the initial financial literacy differences between urban and rural students. Compared to the basic financial knowledge,individuals with more advanced knowledge are more likely to accept the innovative financial products;those with high dependence on network consumption are more likely to use innovative financial products;the effect of network practice on individuals who accepted the innovative financial products is greater than textbook.