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Finanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich?

Finanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich?
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Year:    2021

Author:    Bucher-Koenen, Tabea, Knebel, Caroline

Vierteljahrshefte zur Wirtschaftsforschung, Vol. 90 (2021), Iss. 1 : pp. 11–32

Abstract

In an international comparison, Germans have a relatively high level of financial knowledge. However, this does not imply that financial knowledge is universally distributed. The share of respondents, who are able to answer three basic questions about interest rate, inflation, and risk diversification correctly, lies between 53 % and 62 %. Among women, older individuals, and people with low income or low education, this share is substantially lower. Research has shown that financial knowledge positively affects financial decision-making. Furthermore, financial education programs can enhance financial knowledge and behavior. In Germany, no broad financial literacy strategy exists and, therefore, no targeted evaluations and quality assurance measures for programs are in place. Such a strategy could improve people’s financial decisions as well as the overall financial stability.

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Journal Article Details

Publisher Name:    Global Science Press

Language:    German

DOI:    https://doi.org/10.3790/vjh.90.1.11

Vierteljahrshefte zur Wirtschaftsforschung, Vol. 90 (2021), Iss. 1 : pp. 11–32

Published online:    2021-01

AMS Subject Headings:    Duncker & Humblot, Duncker & Humblot

Copyright:    COPYRIGHT: © Global Science Press

Pages:    22

Keywords:    G53 C81 D91 D14 Household finance financial literacy financial education financial decision-making

Author Details

Bucher-Koenen, Tabea

Knebel, Caroline

  1. Die Rolle der betrieblichen Altersvorsorge für die Einkünfte im Alter – aktuelle Evidenz und Datengrundlagen (The Role of Company Pension Schemes for Income in Old Age - Current Evidence and Database)

    Bucher-Koenen, Tabea | Knebel, Caroline | Meyer, Christina

    SSRN Electronic Journal , Vol. (2021), Iss.

    https://doi.org/10.2139/ssrn.3996198 [Citations: 0]

  2. Finanzielle Kompetenzen und Defizite in Deutschland – eine aktuelle Bestandsaufnahme

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    List Forum für Wirtschafts- und Finanzpolitik, Vol. 47 (2021), Iss. 2-4 P.111

    https://doi.org/10.1007/s41025-021-00235-2 [Citations: 0]

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  77. OECD (2020a): Recommendation of the Council on Financial Literacy, OECD/LEGAL/0461.  Google Scholar
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  79. Schmidt, Tobias und Panagiota Tzamourani (2017): Zur finanziellen Bildung der privaten Haushalte in Deutschland: Ausgewählte Ergebnisse aus der Studie „Private Haushalte und ihre Finanzen (PHF)“. Vierteljahrshefte zur Wirtschaftsforschung, 86 (4), 31 – 49.  Google Scholar
  80. Van Rooij, Maarten, Annamaria Lusardi und Rob Alessie (2011): Financial Literacy and Stock Market Participation. Journal of Financial Economics, 102 (2), 449 – 472.  Google Scholar
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  82. Weber, Birgit (2017): Finanzielle Bildung in der Sekundarstufe I: curriculare Verankerung und Herausforderungen. Vierteljahrshefte zur Wirtschaftsforschung, 86 (3), 27 – 39.  Google Scholar
  83. Atkinson, Adele und Flore-Anne Messy (2012): Measuring Financial Literacy: Results of the OECD/International Network on Financial Education (INFE) Pilot Study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15, OECD Publishing, Paris.  Google Scholar
  84. Bannier, Christina E. und Milena Neubert (2016): Gender Differences in Financial Risk Taking: The Role of Financial Literacy and Risk Tolerance. Economics Letters 145, 130 – 135.  Google Scholar
  85. Bannier, Christina E. und Milena Schwarz (2018): Gender- and Education-Related Effects of Financial Literacy and Confidence on Financial Wealth. Journal of Economic Psychology, 67, 66 – 86.  Google Scholar
  86. Börsch-Supan, Axel, Tabea Bucher-Koenen, Michela Coppola und Bettina Lamla (2015): Savings in Times of Demographic Change: Lessons from the German Experience. Journal of Economic Surveys, 29 (4), 807 – 829.  Google Scholar

Section Title Page Action Price
Tabea Bucher-Koenen und Caroline Knebel:\nFinanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich? 11
1 Einleitung 12
2 Wie steht es um Finanzwissen in Deutschland? 15
2.1 Messung von Finanzwissen in Umfragen 15
2.2 Finanzwissen in Deutschland im internationalen Vergleich 16
2.3 Aktuelle Ergebnisse aus dem PHF Datensatz 2017 18
3 Finanzwissen und Finanzentscheidungen 11
4 Finanzbildung 11
4.1 Welche Maßnahmen finanzieller Bildung wirken? 11
4.2 Finanzbildungsinitiativen in Deutschland 11
4.3 Aktuelle Ergebnisse zu finanzieller Bildung aus dem PHF Datensatz 2017 11
5 Fazit 11
Literaturverzeichnis 11
Appendix 12