经济学报2026，Vol.13Issue(1)：75-88,14.
金融知识与金融欺诈防范
Financial Literacy and Consumer Financial Fraud Prevention
摘要
Abstract
Financial fraud has a non-negligible negative impact on households,society and financial markets.Therefore,it is important to study the factors that influence residents to become potential victims of financial fraud.Using data from China Family Panel Studies(CFPS),this paper empirically examines the relationship between residents' financial literacy and their possibility of becoming victims of potential frauds.Results show that residents with higher levels of financial literacy were less likely to be victims of potential fraudulent projects than those with lower levels of financial literacy.Specifically,a one-standard-deviation increase in financial literacy is associated with 9.9％decrease in the probability of residents becoming victims of a potential fraudulent project,and this effect also holds in those with lower levels of assets.Further tests show that this effect is more pronounced in people who use internets.These results sheds light on the understanding of financial knowledge's role in preventing the risk of financial fraud.关键词
金融知识/金融欺诈/家庭金融分类
社会科学引用本文复制引用
江静琳,林愫,王正位,向虹宇..金融知识与金融欺诈防范[J].经济学报,2026,13(1):75-88,14.基金项目
本研究受国家自然科学基金青年项目"支付科技的社会治理作用——以携童乞讨为例"(72103110)、国家自然科学基金青年项目"基金投资者的社会责任投资偏好"(72203024)、福建省社会科学基金青年项目"数据要素化视角下数据资产估值的逻辑阐释、关联解读与体系构建"(FJ2024C024)的资助. （72103110）
