中文摘要：

金融素养的缺乏会阻碍居民家庭做出合理的金融决策，而合格的理财建议则可以改善居民家庭的金融决策。本文使用清华大学中国金融研究中心调查的数据，研究了居民家庭金融素养与理财建议需求之间的关系。研究发现，理财建议对金融素养不能起到替代的作用，具体来说金融素养高的家庭更可能对理财建议有需求。除此之外，还发现：（1）理财建议需求与家庭收入的关系是“驼峰”型的，而与户主年龄的关系是“U”型的；（2）家庭净财富、健康状况和户主的教育程度对家庭的理财建议需求有显著的正向影响；（3）户主为女性的家庭和户主已婚的家庭更可能咨询专业人员获取理财建议。

英文摘要：

The lack of financial literacy may hamper the ability of households to make well - informed finamfial decisions as the increasing development of the financial market. While the quality financial adviee can improve the households＇ financial decisions. The relationship between the households＇ financial literacy and the demand of financial advice is investigated in this paper using the data from ＂Chinese Survey of Consumer Finance and the Investor Education＂. The study finds that financial advice can be complementary to households＇ financial literacy, i.e. the household with high level of financial literacy is more likely to have the demand of financial advice. The paper also finds ： （ 1 ） the demand for financial advice is ＂hump＂ shape t~lated to household income and is ＂U＂ shape related to the age of head; （2） the household＇ s net - wealth, health status, and education levels have positive effect on the demand for financial advice; （3） compared to men, women are more likely to consult an advisor.