高中金融教育对金融知识与储蓄选择的影响
The Impact of High School Financial Education on Financial Knowledge and Saving Choices
Journal of Human Resources · 2024 · [{"name": "Olympia Bover", "affiliation": ["Bank of Spain"]}, {"name": "Laura Hospido", "affiliation": ["Orano (United States)"]}, {"name": "Ernesto Villanueva", "affiliation": ["Orano (United States)"]}]
中文摘要
我们开展了一项随机对照试验，77所高中的3,000名九年级学生在一年中的不同时间点接受了一门金融教育课程。处理后即刻，处理组学生在金融测试中的得分提高了一个标准差的18%，并在假设性储蓄选择中表现出更强的耐心。在三个月后进行的一项激励性储蓄任务中，处理组学生比由十年级学生构成的对照组做出了更有耐心的选择。在随机分层内，金融教育使公立学校（该类学校中弱势学生比例过高）的低分数和耐心分布向上移动，但在非公立学校中则没有这一效果。
Abstract
<h3>Abstract</h3> We conducted a randomized controlled trial where 3,000 9th grade students in 77 high schools received a financial education course at different points of the year. Right after the treatment, treated students obtained 18% of one standard deviation higher scores in financial tests and showed more patience in hypothetical saving choices. In an incentivized saving task conducted three months after, treated students made more patient choices than a control group of 10th graders. Within randomization strata, financial education shifted upward the distribution of low scores and patience in public schools, which over-represent disadvantaged students, but not in non-public ones.