文献类型：期刊文献

中文题名：金融素养对主动健康投资行为的影响研究

英文题名：The Impact of Financial Literacy on Active Health Investment Behaviors

作者：黄秀女[1];王佳妮[1]

机构：[1]华东理工大学社会与公共管理学院,上海200237

年份：2025

卷号：40

期号：1

起止页码：80

中文期刊名：四川轻化工大学学报(社会科学版)

外文期刊名：Journal of Sichuan University of Science & Engineering:Social Sciences Edition

基金：国家社会科学基金重大项目(20&ZD114);国家社会科学基金项目(19CRK001);全国统计科学研究项目(2018LY64)。

语种：中文

中文关键词：金融素养;主动健康;健康投资;预防投资;健康行为

外文关键词：financial literacy;active health;healthy investment;preventive investment;health behavior

摘要：金融素养是影响家庭投资行为的重要因素,但在主动健康投资领域中少有涉及。文章基于CFPS微观数据,研究金融素养对主动健康投资行为的影响。结果显示,金融素养对主动健康投资行为的影响为正向且具有群体异质性;与金融投资知识相比,金融行为态度的影响更强;金融素养对高龄与城镇人群的影响更强;影响机制可能为人们的风险应对意识、家庭收入水平以及信息利用能力。据此提出:(1)从金融素养角度制定全面的生命周期金融教育计划,开展金融知识普及和金融行为态度教育,培育积极稳健的金融行为与态度。(2)推出权威可及的健康信息传播渠道,宣传正确的健康信息,培育人们在金融素养层面积极稳健的风险偏好,引导人们从全生命周期角度来考虑主动健康投资,实现从“被动医疗”到“主动健康”的模式转变。(3)针对农村群体和年轻群体,政府可考虑对其进行政策倾斜,通过提升金融素养水平助推其进行主动健康投资。
Financial literacy is an important factor that affects the investment behavior of households in the economic field,but it is rarely involved in the field of active health investment.Based on the data of CFPS,this paper studies the impact of financial literacy on health investment behaviors.The results show that financial literacy has a positive impact on health investment behaviors and the effect has heterogeneity among groups.Compared with financial investment knowledge,the influence of financial behavior attitudes is stronger.Financial literacy has a greater impact on the elderly and urban populations.Mechanisms may be people′s risk awareness,family income land information utilization.First,it is suggested to develop a comprehensive financial education program throughout the life cycle from the perspective of financial literacy and promote financial knowledge and attitude education to cultivate positive and prudent financial behaviors and attitudes.Second,we should launch authoritative and accessible channels for disseminating health information,promoting correct health information,and fostering a positive and prudent risk preference in financial literacy,guiding people to consider active health investments from a life cycle perspective,thus achieving a shift from"passive healthcare"to"active health."Third,for rural and young populations,the government may consider policy support to enhance financial literacy levels to encourage active health investment.