消费者金融行为、消费者金融教育和消费者福利

消费者金融行为的研究是一个多学科的研究领域,并在近十年来开始得到主流经济学和金融学的重视。消费者金融行为的研究集中在如何定义、描述、理解和预测、改变、发展,以及比较消费者的金融行为。本文从上述六个方面对美国关于消费者金融行为的研究进行了简要综述,并讨论了消费者金融行为与消费者金融教育、消费者福利之间的关系。最后,对中国消费者金融学的研究提出了几点建议,希望对中国消费者金融学领域的发展有所贡献。

Consumer Finance Behavior,Consumer Financial Education and Consumer Welfare

Consumer finance behavior is a multidisciplinary research field. In the past decade,it has received attention from mainstream economist and finance scholars. The research on consumer financial behavior focuses on how to define,describe,understand and predict,change,develop and compare consumers' financial behaviors. This paper briefly reviews research on these six aspects of consumer financial behavior in US and discusses the relationship between consumer financial education and consumer financial behavior ...