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中文摘要：
风险态度影响个人行为。参照Grable（2008）的概念模型,基于Tversky（1991）胜任力假说,构建了一个风险态度影响因素理论模型,采用大学生调查数据,实证检验了金融素养与风险态度的内在关联性。结果显示,当个人具备较高金融素养水平时,会增强自身对金融活动的把握感,从而表现出更高的风险偏好,并最终影响到金融行为。研究表明,在家庭理财需求日益迫切的情况下,普及金融教育,提高金融素养,将有助于改善家庭对自身风险态度的认知程度,有效地参与金融市场,理性选择合适金融产品,保护自身权益,实现财富最优配置。
英文摘要：
Risk attitude inherently affects individual＇s behavior. Referring to the conceptual model of Grable（2008） and based on the competence hypothesis of Tversky（ 1991 ）, a theoretical model is constructed to study the factors that influence risk attitude. Using the micro-survey data, we carry out an empirical test is carried out on the internal connection of college students＇ financial literacy and risk attitudes. The result shows that when individuals have a high level of financial literacy, it will enhance their senses of competency, there- fore, they will have a higher risk appetite, and finally affect their financial decisions. In the situation that fanrilies increasingly need fi- nancial services, it＇s important to popularize financial education to enhance financial literacy, which will be helpful to improve families＇ cognizance on their own risk attitudes and rationally choose the right financial products. Meanwhile, it will protect their consumer rights and interests, help them to participate in the financial markets more effectively and achieve the optimal allocation of wealth.
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