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外文摘要
引文資料
題名:
The Relationship between Cash Advance and Financial Literacy in the Taiwan Market
書刊名:
財務金融學刊
作者:
蕭育仁
/
陳錦村
/
廖志峰
作者(外文):
Hsiao, Yu-jen
/
Chen, Jing-twen
/
Liao, Chih-feng
出版日期:
2015
卷期:
23:2
頁次:
頁105-134
主題關鍵詞:
金融知識
;
預借現金
;
金融教育
;
Financial literacy
;
Cash advance
;
Financial education
原始連結:
連回原系統網址
相關次數:
被引用次數:期刊(
3
) 博士論文(0) 專書(0) 專書論文(0)
排除自我引用:
2
共同引用:0
點閱:24
本文透過logit實證模型發現,信用卡預借現金與金融知識程度具有顯著負向影響,顯示金融知識程度愈高之民眾,具有較佳現金流動性管理能力,較不會使用高利息成本之信用卡預借現金。此外,本文也發現女性、已婚與個人年均所得愈高民眾,則較不會透過信用卡預借現金。最後,金管會金融文宣資料亦有助減少民眾使用信用卡預借現金。
以文找文
This paper uses the logit regression model to study the relationship between financial literacy and cash advance. We find that financial literacy has a significantly negative impact on cash advance, which means that people with highly financial literacy are less likely to use cash advance. Moreover, we find women, married people, and people with high personal annual average incomes have a low probability to use cash advance. Finally, propaganda handouts of financial information from the Financial Supervisory Commission (FSC) can also reduce the use of cash advance.
以文找文
期刊論文
1.
Lusardi, Annamaria、Mitchell, Olivia S.(2007)。Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education。Business Economics,42(1),35-44。
2.
Van Rooij, Maarten C. J.、Lusardi, Annamaria、Alessie, Rob J. M.(2012)。Financial literacy, retirement planning, and household wealth。Economic Journal, Royal Economic Society,122(560),449-478。
3.
Agnew, Julie R.、Anderson, Lisa R.、Gerlach, Jeffrey R.、Szykman, Lisa R.(2008)。Who chooses annuities? An experimental investigation of the role of gender, framing, and defaults。American Economic Review,98,418-422。
4.
Altman, Morris(2012)。Implications of behavioural economics for financial literacy and public policy。Journal of Socio-Economics,41(5),677-690。
5.
Disney, Richard、Gathergood, John(2013)。Financial literacy and consumer credit portfolios。Journal of Banking and Finance,37,2246-2254。
6.
Hartarska, Valentina、Gonzalez-Vega, Claudio(2005)。Credit counseling and mortgage termination by low-income households。Journal of Real Estate Finance and Economics,30,227-243。
7.
Hsiao, Yu-Jen、Chen, Jing-Twen、Liao, Chih-Feng(2014)。Financial literacy and stock market participation: Evidence from Taiwanese markets。Review of Securities and Futures Market,26(2),1-42。
8.
Lusardi, Annamaria、Mitchell, Olivia S.(2007)。Baby boomer retirement security: The roles of planning, financial literacy, and housing wealth。Journal of Monetary Economics,54(1),205-224。
9.
Lusardi, Annamaria、Mitchell, Olivia S.(2008)。Planning and financial literacy: How do women fare?。American Economics Review,98,413-147。
10.
Scholnick, Barry、Massoud, Nadia、Saunders, Anthony(2013)。The impact of wealth on financial mistakes: Evidence from credit card non-payment。Journal of Financial Stability,9,26-37。
11.
Barsky, Robert B.、Juster, Francis T.、Kimball, Miles S.、Shapiro, Matthew D.(1997)。Preference parameters and behavioral heterogeneity: An experimental approach in the health and retirement study。The Quarterly Journal of Economics,112(2),537-579。
12.
Beyer, Sylvia、Bowden, Edward M.(1997)。Gender differences in self-perceptions: Convergent evidence from three measures of accuracy and bias。Personality and Social Psychology Bulletin,23(2),157-172。
13.
Huston, Sandra J.(2010)。Measuring financial literacy。Journal of Consumer Affairs,44(2),296-316。
14.
McHugh, Sandie、Ranyard, Rob、Lewis, Alan(2011)。Understanding and knowledge of credit cost and duration: Effects on credit judgements and decisions。Journal of Economic Psychology,32,609-620。
15.
Stango, Victor、Zinman, Jonathan(2009)。Exponential growth bias and household finance。Journal of Finance,64(6),2807-2849。
16.
Barber, Brad M.、Odean, Terrance(2001)。Boys will be boys: Gender, over-confidence, and common stock investment。Quarterly Journal of Economics,116,261-292。
17.
Agnew, Julie R.、Balduzzi, Pierluigi、Sundén, Annika E.(2003)。Portfolio choice and trading in a large 401(k) plan。American Economic Review,93(1),193-215。
18.
Behrman, Jere R.、Mitchell, Olivia S.、Soo, Cindy K.、Bravo, David(2012)。How financial literacy affects household wealth accumulation。American Economic Review,102(3),300-304。
19.
Mottola, Gary R.(2013)。In Our Best Interest: Women, Financial Literacy, and Credit Card Behavior。Numeracy,6(2),(4)1-(4)17。
20.
Van Rooij, Maarten C. J.、Lusardi, Annamaria、Alessie, Rob J. M.(2011)。Financial literacy and stock market participation。Journal of Financial Economics,101(2),449-472。
21.
Hilgert, Marianne A.、Hogarth, Jeanne M.、Beverly, Sondra G.(20030700)。Household financial management: The connection between knowledge and behavior。Federal Reserve Bulletin,89(7),309-322。
22.
Sundén, Annika E.、Surette, Brian J.(1998)。Gender differences in the allocation of assets in retirement savings plans。American Economic Review,88(2),207-211。
研究報告
1.
蕭育仁、陳錦村、廖志峰(2014)。Financial literacy and retirement planning in Taiwan。
延伸查詢
2.
Lusardi, Annamaria、Scheresberg, Carlo De Bassa(2013)。Financial literacy and high cost borrowing in the United States。
3.
Lusardi, Annamaria、Mitchell, Olivia S.(2011)。Financial literacy and planning: Implications for retirement wellbeing。National Bureau of Economic Research。
4.
Lusardi, Annamaria、Tufano, Peter(2009)。Debt literacy, financial experiences, and overindebtedness。
5.
Lusardi, Annamaria、Mitchell, Olivia S.(2009)。How ordinary consumers make complex economic decisions: Financial literacy and Retirement Readiness。
圖書
1.
Chen, Jing-Twen、Hsiao, Yu-Jen(2011)。Third National Financial Literacy Survey。Taiwan Financial Supervisory Commission。
2.
Department for Work and Pensions(2004)。Tackling Over-Indebtedness: Action Plan 2004。
其他
1.
Sallie Mae(2007)。Sallie Mae launches new "Be Debt Smart" campaign to educate students parents and graduates on managing debt and understanding credit,http://www.prnewswire.com/news-releases/sallie-mae-launches-new-be-debt-smart-campaign-to-educate-students-parents-and-graduates-on-managingdebt-and-understanding-credit-57902907.html, 2015/05/06。
圖書論文
1.
Lupton, Joseph P.、Smith, James P.(2003)。Marriage, Assets, and Savings。Marriage and the Economy。Cambridge:Cambridge University Press。
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