父母的受教育水平会影响其（成年）子女的金融行为吗？
关键词:
金融素养; 未来财务规划; 青年成年人; 父母受教育水平摘要
本文旨在考察父母受教育水平对青年成年人金融行为的影响。为避免金融知识匮乏所带来的问题，本研究以就读于经济学学位课程的学生为样本。所得结果表明，父母双方的受教育水平均会影响青年成年人的金融行为，但影响方式存在显著差异：拥有大学学历的父亲似乎对其男性子女的金融行为产生正向影响，而拥有大学学历的母亲似乎对其女性子女的金融行为产生负向影响。这一证据或可促使人们思考应采取何种干预措施，以确保未来的女性拥有与男性同等的成功进行财务规划的机会。Abstract
The aim of this paper is to examine the influence of parents’ educational levels on young adults’ financial behavior. A sample of students enrolled on degree programs in Economics was considered to avoid the problem of financial illiteracy. The results obtained reveal that the educational levels of both parents influence young adults’ financial behavior but in significantly different ways: a father with a university degree seems to influence his male offspring’s financial behavior positively, while a mother with a university degree seems to influence her female offspring’s financial behavior negatively. This evidence may lead to reflection on intervention to ensure that tomorrow's women have the same opportunities for successful financial planning as men.References
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