{"title":"对资金获取的系统性概念审查","authors":"Julie Birkenmaier, Jin Huang","doi":"10.1111/joca.12574","DOIUrl":null,"url":null,"abstract":"<p>Financial access is used in practice and research as an important concept relevant to financial capability and financial well-being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022 retrieved from Scopus and Dissertation and Thesis Global. Using grounded theory, data were coded related to financial access definition, concepts, measurement, and associated content. The domains identified were <i>Mainstream Financial Products and Services, Institutional Practices of Available Mainstream Financial Service Providers, Individual Resources and Intrinsic Qualities and Abilities,</i> and <i>Individual Financial Action and Perceptions. Financial Products or Services Utilized by Social Programs to Provide Benefits</i> was added. Study implications include the need to broaden the focus of policies and practices beyond ownership of financial products and services. Directions for future research are discussed.</p>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"58 2","pages":"367-396"},"PeriodicalIF":2.5000,"publicationDate":"2024-03-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"A systematic conceptual review of financial access\",\"authors\":\"Julie Birkenmaier, Jin Huang\",\"doi\":\"10.1111/joca.12574\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p>Financial access is used in practice and research as an important concept relevant to financial capability and financial well-being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022 retrieved from Scopus and Dissertation and Thesis Global. Using grounded theory, data were coded related to financial access definition, concepts, measurement, and associated content. The domains identified were <i>Mainstream Financial Products and Services, Institutional Practices of Available Mainstream Financial Service Providers, Individual Resources and Intrinsic Qualities and Abilities,</i> and <i>Individual Financial Action and Perceptions. Financial Products or Services Utilized by Social Programs to Provide Benefits</i> was added. Study implications include the need to broaden the focus of policies and practices beyond ownership of financial products and services. Directions for future research are discussed.</p>\",\"PeriodicalId\":47976,\"journal\":{\"name\":\"Journal of Consumer Affairs\",\"volume\":\"58 2\",\"pages\":\"367-396\"},\"PeriodicalIF\":2.5000,\"publicationDate\":\"2024-03-13\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Consumer Affairs\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://onlinelibrary.wiley.com/doi/10.1111/joca.12574\",\"RegionNum\":3,\"RegionCategory\":\"经济学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"BUSINESS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Consumer Affairs","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/joca.12574","RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"BUSINESS","Score":null,"Total":0}
引用次数: 0
摘要
在实践和研究中，财务获取是与财务能力和财务福祉相关的一个重要概念。本研究考察了有关个人财务获取能力的文献，并提出了概念、定义、领域和建议项目。本研究采用系统概念回顾法，从 Scopus 和 Dissertation and Thesis Global 检索到 2012 年 1 月至 2022 年 8 月期间发表的 171 篇文章。采用基础理论，对与金融获取的定义、概念、测量和相关内容有关的数据进行了编码。确定的领域包括主流金融产品和服务、现有主流金融服务提供商的机构做法、个人资源和内在素质与能力，以及个人金融行动和认知。此外，还增加了社会项目利用金融产品或服务提供福利的内容。研究的意义包括需要将政策和实践的重点扩大到金融产品和服务的所有权之外。还讨论了未来研究的方向。
A systematic conceptual review of financial access
Financial access is used in practice and research as an important concept relevant to financial capability and financial well-being. This study examines the literature on individual financial access and develops a conceptualization, definition, domains, and proposed items. Following a systematic conceptual review method, the review is based on 171 articles published during January 2012–August 2022 retrieved from Scopus and Dissertation and Thesis Global. Using grounded theory, data were coded related to financial access definition, concepts, measurement, and associated content. The domains identified were Mainstream Financial Products and Services, Institutional Practices of Available Mainstream Financial Service Providers, Individual Resources and Intrinsic Qualities and Abilities, and Individual Financial Action and Perceptions. Financial Products or Services Utilized by Social Programs to Provide Benefits was added. Study implications include the need to broaden the focus of policies and practices beyond ownership of financial products and services. Directions for future research are discussed.
期刊介绍：
The ISI impact score of Journal of Consumer Affairs now places it among the leading business journals and one of the top handful of marketing- related publications. The immediacy index score, showing how swiftly the published studies are cited or applied in other publications, places JCA seventh of those same 77 journals. More importantly, in these difficult economic times, JCA is the leading journal whose focus for over four decades has been on the interests of consumers in the marketplace. With the journal"s origins in the consumer movement and consumer protection concerns, the focus for papers in terms of both research questions and implications must involve the consumer"s interest and topics must be addressed from the consumers point of view.
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