题目：Consumer Financial Education, Capability, and Wellbeing

主办单位：管理科学与工程学院

讲座地点：沙河校区，主教105

讲座时间：2017年5月17日（星期三）下午14：00-16：00  

主讲人：Xiao Jing Jian, Professor, Department of Human Development and Family Studies, University of Rhode Island

肖经建博士是美国罗德岛大学全职教授，主要从事消费者金融领域的科研和教学工作，研究兴趣包括消费者的财务素养、财务行为、财务能力和财务幸福。在其研究领域发表了近百篇高水平的论文，发表期刊涵盖International Journal of Consumer Studies，Journal of Business Research，Journal of Consumer Affairs，Journal of Public Policy and Marketing，Social Indicators Research等。出版书籍包括Modern Family Economics，The Mathematics of Personal Finance，Chinese Youth in Transition等。他目前担任期刊Journal of Financial Counseling and Planning的主编，曾担任包括美国消费者权益学会会长和亚洲消费者家庭经济学会会长在内的多项职务。  

讲座主要内容：This talk is about professor’s study in the field of consumer finance which investigates roles of financial literacy, financial behavior, and financial capability as mediating factors between financial education and financial satisfaction. The data of this study is from the 2012 National Financial Capability Study, a large national dataset with detailed information on financial satisfaction, education, literacy, behavior, capability, and related variables. Mediation analyses are used to answer research questions. Financial education may affect financial satisfaction, a subjective measure of financial wellbeing, through financial literacy, financial behavior, and financial capability variables. Results show that subjective financial literacy, desirable financial behavior, and a financial capability index (a sum of Z scores of objective financial literacy, subjective financial literacy, desirable financial behavior, and perceived financial capability) are strong mediators between financial education and financial satisfaction. The findings have implications for financial service professionals to take advantages of multiple benefits of financial education in content acquisition, confidence in knowledge and ability, and action taking when they communicate with their clients. Policymakers in consumer financial education may use the information to advocate and promote effective education programs to improve consumer financial wellbeing. This study is the first of this kind to examine the association between financial education and financial satisfaction and several financial capability variables as mediating factors.

     欢迎全校感兴趣的教师和学生参加！