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1.
Melody Harvey;Cliff A. Robb;Christopher L. Peterson; 《The Journal of consumer affairs》2024,58(2):538-557
Sixteen jurisdictions in the United States prohibit payday lending through stringent usury laws or well-established nonprofitable 36% interest rate caps. Yet over one in 10 consumers residing in these jurisdictions borrowed payday loans in the past 5 years. This raises questions about actual policy implementation and enforcement. We employ data from the 2018 National Financial Capability Study to investigate if associations between payday lending prohibitions and payday borrowing differ by degree of enforcement. We find that nuances in degree of enforcement among restrictive states are not associated with payday borrowing likelihoods. However, these nuances appear when examining payday borrowing frequency, particularly when controlling for consumers' financial circumstances and when conditioning on alternative financial services consumers. We consistently note the highest borrowing behaviors for states sans regulation. Policymakers may consider strengthening enforcement in cases where the primary goal is preventing or reducing payday borrowing. 相似文献
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招商银行本着＂做得更快更好＂理念,在2002年开创了＂金葵花＂理财品牌,目前招商银行的个人理财业务在我国银行业处于领先位置。基于研究普益标准发布的2010年、2011年第2季度和第3季度报告,分析了招商银行理财产品的优劣势,以期给我国个人理财提供有价值的参考。 相似文献
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This paper explores a consumer complaint programme as a tool for empowering consumers, using the consumer complaint programme of a United States federal agency as a case study. After describing the structure and role of the Federal Reserve System (the central bank of the United States) in handling complaints, the paper follows a complaint through the System, looks at trends in complaints and provides a profile of consumers who complain. The paper concludes with information on the economic impact of complaint resolution and consumer satisfaction with third‐party complaint investigation. 相似文献
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在我国,低碳发展模式已经确立,碳排放交易系统即将推出,相关主体对碳金融服务的需求将极大增加。然而,就目前的情况来看,我国尚未建立健全碳金融服务体系,这恐将成为我国低碳发展的掣肘。本文在梳理碳金融服务相关研究文献的基础上,从资金融通和风险管理两个方面解构碳金融服务需求,并分析了其特点,依据分析结果及我国碳金融服务现状提出了我国碳金融服务体系架构的设想。 相似文献
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《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2017,46(1):31-39
This article describes the National Financial Capability Study (NFCS) and provides general and methodological information to aid researchers in using these publically available and free data sets. The NFCS is a large‐scale, ongoing study aimed at monitoring and better understanding financial capability in America. Data from the NFCS can be analyzed at the national, state, and regional levels. We provide detailed information about all nine data sets that currently comprise the NFCS, including sampling procedures, weight construction, and survey design. The article concludes with a discussion of high‐level learnings from the NFCS and the future of the NFCS project. 相似文献
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财务控制权配置是财务治理的核心内容。合理的财务控制权安排可以抑制内部人的道德风险,优化公司治理结构。本文从企业资源聚集的角度,构造企业利益相关者的经济效用函数并分析其特征,认为利益相关者之间是相互依存的动态竞争关系,企业的财务控制权应按照以股东为主导的各利益相关者共同分享的模式来分层次配置。 相似文献
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Kutlu Ergün 《International Journal of Consumer Studies》2018,42(1):2-15
This study analysed the level of financial literacy among university students in Estonia, Germany, Italy, Netherlands, Poland, Romania, Russian Federation and Turkey. The purpose of the study was to determine the level of financial literacy among university students, and to find out the relationship between financial knowledge and demographic characteristics of students. Online survey instrument was used to collect data. 409 fully completed questionnaires were accepted for analysis. Logistic regression was used to analyse of impact of the demographic characteristics on financial literacy. Overall mean of correct answers for the survey was 72.2%. This result represents a medium level of financial literacy about personal finance. Results indicate that male students, business major students, PhD students, those who live in a rental house, those whose parents have high level income, those who get advice on financial matters from their friends, those who took financial course before, those who get financial information about financial issues from university education, and students from Poland are more knowledgeable on personal finance. More financial courses should be provided in university education programmes, which could help more students handle their finances better and improve their financial wellbeing. It should be taken into consideration that in recent years, environmental and technological influences on financial literacy may be more important than parental influence. 相似文献
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This study analyzed the role of financial literacy as a mediator between financial education and sound personal finance to assess how financial education affects the soundness of personal finance. In particular, this study conducted three sets of mediation analyses using data from the 2014 Consumer Empowerment Index survey of the Korea Consumer Agency to verify whether the mediating relationship is valid across different income classes of the Korean population. The results suggest that financial literacy works as a mediator between financial education and sound personal finance in the high‐income class and the middle‐income classes. Therefore, policymakers should consider the limitations of financial education and financial literacy when addressing low‐income consumers. 相似文献
10.
Karen P. Varcoe Shirley S. Peterson Patti Wooten Swanson Margaret C. Johns 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2010,38(4):360-371
Research indicates that the financial literacy of U.S. teens is low, yet they have access to and spend a great deal of money each year. Teens were surveyed in 1998 (N = 323) and again in 2008 (N = 558) to determine what teens wanted to know about money and how they wanted to learn. Data were collected regarding teens’ sources of income, why money was important, the types of financial information they would like to learn, and how they would like to learn from seven counties in California—Alameda, Kern, Los Angeles, Riverside, San Diego, San Luis Obispo, and Santa Barbara. The findings indicate that teens are still interested in learning about many of the same financial topics identified in 1998, but their desire for web education has increased. These data can be used to develop programs that will interest teens. 相似文献
11.
金融产品和服务具有专业化、技术化的特性,面对由金融精英组成的金融产品和服务的提供者,金融消费者相对而言不一定具备金融专业知识,信息不对称的弱势地位显而易见。农村金融消费者由于文化素质低,金融知识缺乏,加之弱势群体的心里劣势,消费者权益更容易受到侵害。侵害消费者的行为不仅损害了农民的利益,也损害了公众对金融体系的信心,影响金融行业的健康发展。针对农村消费者保护不力的状况,需要从增强农村金融供给、提高消费者文化素质和维权意识,加强金融机构的服务意识以及加强金融监管等多方面着手。 相似文献
12.
George Steven Swan 《Family and consumer sciences research journal / American Association of Family and Consumer Sciences》2015,43(4):343-356
A mismatch between meager job openings for attorneys and a years‐long eruption of law school graduates is a concern. By contrast, in 2014, the personal financial planning occupation appeared among the more rapidly growing fields for the timeframe ending in 2020. The law degree marks an asset within the financial planning industry. Personal financial planning overlaps with law in estate planning and income taxation. The purpose of this paper is to suggest for underemployed Juris Doctors that (1) the financial wellness industry possibly affords an opening into the broader arena of financial services; and that (2) the Certified Personal and Family Finance Educator credential awarded by the American Association of Family and Consumer Sciences provides a potential bridge from the law school campus into the financial wellness industry. Research into the feasibility of this pair of propositions is suggested, while potential sources of relevant information are identified. 相似文献
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政策性金融对我国企业跨国经营的金融支持研究 总被引：1，自引：0，他引：1
在经济全球化的背景下,需要建立一套完整的支持企业"走出去"的金融政策体系,增强提高国际竞争力的国家手段.为此,需要通过政策性资金来提高直接与间接支持模式的政策效果,建立以间接支持模式为主的政策性资金运作方式,探讨政策性资金运作与构建市场融资体系的互动关系,并提出相应的政策性建议.文章的分析表明:政策性资金的运用应当以间接模式为主,这样可以改变商业性机构和社会投资者的风险-收益分布,发挥政策性金融的杠杆作用.在此基础上,还需要进一步研究开发性金融和以市场化方式实现政策性目标的运营机制等问题. 相似文献
14.
Tiina Koskelainen Panu Kalmi Eusebio Scornavacca Tero Vartiainen 《The Journal of consumer affairs》2023,57(1):507-528
Digital innovations are transforming financial services and resulting changes in consumer behavior and personal money management. Diffusion of pervasive digital technologies offers individuals quick and easy access to various digital services bringing opportunities and challenges into their personal money management. The study aimed to explore how digitalization affects individuals' financial literacy and financial capability. As a result, we identified three main themes in the intersection of finance and digitalization: Fintech, Financial behavior in digital environments, and Behavioral interventions. We propose directions for measuring digital financial literacy, updates to the financial literacy curriculum, and developments of digital learning tools. Further, we highlight collaboration between the public and private sectors to create a fairer and more inclusive economic landscape. Our study contributes to existing research by proposing a framework for digital financial literacy and financial capability and a research agenda for future studies. 相似文献
15.
刘琼莲 《四川商业高等专科学校学报》2014,(3):45-56
残疾人均等享有公共服务是在政府主导下的生产和分配过程,它与各种组织和公民的经济活动密切相关。从经济学视角分析残疾人均等享有公共服务,可有效防止由经济因素造成的残疾人均等享有公共服务方面的偏差,降低服务供给成本和提高其社会效益。市场体制、行政体制与社会体制的合作能为此服务奠定坚实的物质基础,公民与残疾人家庭是落实服务的最终主体。残疾人均等享有公共服务要基于社会主义市场经济体制、政府宏观调控和引导以及各类组织与公民,在市场机制、行政机制、社会机制与公民主体的共同维护与努力下,坚持供求关系的动态均衡原则,努力降低服务的经济成本,不断提高其社会效益,确保残疾人有＂尊严的生存＂,并促进社会和谐。 相似文献
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我国社会主义市场经济的框架已基本建立,伴随着市场经济的发展,市场失灵也日益显现出来,客观上要求建立公共财政以满足社会公共需要。虽然我国已确立公共财政的改革方向,但现行财政体制受传统的计划经济影响,仍然存在着越位、缺位以及管理制度不健全等问题。只有继续完善市场经济体制,确定财政支出范围,优化财政支出结构,改革政府预算,加强财政监督,才能健全和完善规范的公共财政体制。 相似文献
18.
完善我国财政转移支付制度研究 总被引：6，自引：0，他引：6
转移支付是分税制财政体制的重要组成部分。无论是从分税制理论角度看,还是从我国区域经济非均衡发展实践角度看,均迫切需要建立相应的转移支付制度,以达到各级财政事权与财权匹配统一、促进各地区经济的协调发展、提供均等化的公共服务能力的总体目标。规范的分税制,必须要有与之相配套的财政转移支付制度,否则很难发挥财政调节的作用。建立规范的转移支付制度是一项政策性和技术性很强的系统工程,不仅制度设计本身难度大,在实施过程中还会涉及中央与地方、地方各级政府之间各方利益的重要调整。本研究就目前我国财政发展状况进行分析,就改善我国转移支付的原则、体制设计以及实施等方面的对策问题展开研究。 相似文献
19.
Julie Birkenmaier;Jin Huang; 《The Journal of consumer affairs》2024,58(2):367-396
Financial access is used in practice and research as an important concept relevant to financial capability and financial well-being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022 retrieved from Scopus and Dissertation and Thesis Global. Using grounded theory, data were coded related to financial access definition, concepts, measurement, and associated content. The domains identified were Mainstream Financial Products and Services, Institutional Practices of Available Mainstream Financial Service Providers, Individual Resources and Intrinsic Qualities and Abilities, and Individual Financial Action and Perceptions. Financial Products or Services Utilized by Social Programs to Provide Benefits was added. Study implications include the need to broaden the focus of policies and practices beyond ownership of financial products and services. Directions for future research are discussed. 相似文献
20.
城乡差距及其二元财政成因探析 总被引：8，自引：0，他引：8
我国城乡差距在很大程度上与我国长期推行城乡有别的二元财政政策和制度有关。歧视性农业财税政策的客观存在 ,给我国城乡的协调发展和全面建设小康社会带来了极为消极的影响 ,并使城乡二元社会结构固定化。必须按照公平原则的要求对现行财政政策进行调整 ,使之向一元财政转化 ,这是加快农村经济发展 ,缩小城乡差距和实现全面建设小康社会奋斗目标的必然选择。 相似文献