Financial Literacy, Financial Education, and Economic Outcomes
综述了金融素养、金融教育与消费者金融结果的研究，评估了金融教育是否改善素养或财务结果，并比较了替代政策的效果与成本。
In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We review the literature on alternative policies to improve financial outcomes, and compare the evidence to evidence on the efficacy and cost of financial education. Finally, we discuss directions for future research.