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Author
Smyczek Sławomir (Uniwersytet Ekonomiczny w Katowicach)
Title
Customers' Financial Literacy - European Perspective
Wiedza finansowa konsumentów - perspektywa europejska
Source
Annales Universitatis Mariae Curie-Skłodowska. Sectio H. Oeconomia, 2017, vol. 51, nr 2, s. 211-218, tab., bibliogr. 14 poz.
Keyword
Konsument, Finanse, Wiedza
Consumer, Finance, Knowledge
Note
JEL Classification: D12; G02
summ., streszcz.
Abstract
Podstawowym wnioskiem z badań jest to, że wiedza finansowa europejskich konsumentów jest znacznie niższa niż jej pożądany poziom. Okazało się, że na poziom wiedzy finansowej miały wpływ: sytuacja finansowa, poziom edukacji, wykonywany zawód i różne aktywności konsumentów. Znacząca różnica w poziomie wiedzy finansowej została również zaobserwowana w odniesieniu do płci konsumentów, wykształcenia i charakteru ich pracy. Wiedza finansowa znacząco wpływa także na racjonalność decyzji finansowych klientów. Należy podkreślić, że najniższy poziom wiedzy finansowej konsumentów zaobserwowano w krajach, gdzie kryzys finansowy miał najsilniejszy wpływ na gospodarkę. (abstrakt oryginalny)

The main finding which derives from the research is that financial literacy of customers on European market is far from the required level. The financial literacy level has been found to be affected by financial situation, education level, and workplace activity of customers. A significant difference in the level of financial literacy has been also observed with respect to respondents' gender, education level and work activity. Financial literacy has significantly affected rationality of financial decisions of customers. It necessary to underline that the lowest level of financial literacy is observed in countries where the financial crisis had the strongest influence on economy. (original abstract)
Accessibility
The Library of University of Economics in Katowice
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Bibliography
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Cited by
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ISSN
0459-9586
Language
eng
URI / DOI
http://dx.doi.org/10.17951/h.2017.51.2.211
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