Survey Research on Financial Literacy Education

2023 Fiscal Year Final Research Report

• Project/Area Number: 20K13534
• Research Category: Grant-in-Aid for Early-Career Scientists
• Allocation Type: Multi-year Fund
• Review Section: Basic Section 07060:Money and finance-related
• Research Institution: Okayama Shoka University
• Principal Investigator: WATANABE Hiroyuki 岡山商科大学, 経済学部, 講師 (70740281)
• Project Period (FY): 2020-04-01 – 2024-03-31
• Keywords: 金融経済教育 / 金融リテラシー

Outline of Final Research Achievements

To examine the approach to financial and economic education for young people, an empirical study was conducted based on a survey of high school and university students. The study particularly focused on the relationship between "the daily actions and thoughts of high school students" and "the financial literacy level of high school students." Through statistical analysis, it was revealed that a vague awareness of the future is a characteristic tendency of high school students with low financial literacy. This tendency has a marginal effect approximately twice as large compared to other actions and thoughts.

Free Research Field

金融経済教育

Academic Significance and Societal Importance of the Research Achievements

金融知識の学習に相当する日常の行動よりも、性格的な傾向の方が金融リテラシーレベルに対して2倍位上のネガティブな影響力を有しているという示唆が得られた。この結果は若年者の非認知能力の形成が金融リテラシーの獲得に影響していることを支持するものであり、現在おこなわれている一般的な金融経済教育の限界のひとつであるとも考えられる。今後の金融経済教育のあり方に対する政策的な含意をもたらすと期待される。