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Suma de beneficios: educación, competencias matemáticas y competencias financieras

Author

Listed:
  • Patricia Stupariu

    (BANCO DE ESPAÑA)

  • Juan Rafael Ruiz

    (UNIVERSIDAD AUTÓNOMA DE MADRID)

Abstract

Este estudio se basa en los datos obtenidos de la Encuesta de Competencias Financieras elaborada por el Banco de España y en él se examina la relación entre el nivel educativo y las competencias financieras en la población española, haciendo hincapié en las competencias matemáticas. Las competencias financieras se evalúan mediante un conjunto de indicadores calculados a partir de diversas combinaciones de preguntas de la encuesta, lo que permite un análisis exhaustivo de los conocimientos financieros que tienen las personas sobre distintos temas. Los resultados indican que, en promedio, los niveles más altos de educación formal se asocian a mejores competencias financieras, y los graduados en Ciencias y en Economía superan a los de otras materias. El estudio subraya la importancia de reforzar las competencias matemáticas para favorecer la mejora de las competencias financieras.

Suggested Citation

  • Patricia Stupariu & Juan Rafael Ruiz, 2025. "Suma de beneficios: educación, competencias matemáticas y competencias financieras," Occasional Papers 2025, Banco de España.
    • Handle: RePEc:bde:opaper:2518
    DOI: https://doi.org/10.53479/40586
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    More about this item

    Keywords

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    JEL classification:

    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • I21 - Health, Education, and Welfare - - Education - - - Analysis of Education

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