大五人格特质、金融素养和风险倾向的关系:来自印度的证据

K. Shanmugam, Vijayabanu Chidambaram, Satyanarayana Parayitam
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引用次数: 6

摘要

本研究的目的是实证检验五大人格特质对金融素养和风险倾向的影响。数据是使用结构化工具从印度南部四个大都市(金奈、哥印拜陀、蒂鲁奇拉帕利和马杜赖)的285名受访者中收集的。结构方程建模结果表明:(a)五大人格特征对金融素养、金融态度、金融行为、金融知识和金融决策影响具有显著的正向影响;(b) 财务态度与风险倾向呈正相关;(c)财务决策影响与风险倾向呈正相关。讨论了对行为金融和执业管理人员的影响。
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Relationship Between Big-Five Personality Traits, Financial Literacy and Risk Propensity: Evidence from India
The purpose of the present study is to empirically examine the effect of Big-Five personality traits on financial literacy and risk propensity. Data were collected from 285 respondents from four cosmopolitan cities in the southern part of India (Chennai, Coimbatore, Tiruchirappalli and Madurai) using a structured instrument. The structural equation modelling results reveal that the following: (a) Big-Five personality traits have a significant and positive influence on financial literacy financial attitude, financial behaviour, financial knowledge and financial decision influences; (b) financial attitude is positively related to risk propensity; and (c) financial decision influences are positively related to risk propensity. The implications for behavioural finance and practicing managers are discussed.
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CiteScore
3.90
自引率
31.20%
发文量
25
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