The Importance of Financial Literacy: Opening a New Field
回顾了作者二十年来对金融素养的研究，将其视为人力资本投资，基于美国及跨国数据分析了金融素养的分布、影响及应对措施，对教育、政策和未来研究有启示。
We undertake an assessment of our two decades of research on financial literacy, building on our empirical research and theoretical work casting financial knowledge as a form of investment in human capital. We also draw on recent data to determine who is the most—and least—financially savvy in the United States, and we highlight the similarity of our results in other countries. A number of convincing studies is now available, from which we draw conclusions about the effects and consequences of financial illiteracy, and what can be done to fill these gaps. We conclude by offering our thoughts on implications for teaching, policy, and future research.