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Educación financiera y decisiones de ahorro e inversión: un análisis de la Encuesta de Competencias Financieras (ECF)

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  • Anna Ispierto Maté, Irma Martínez García, Gloria Ruiz Suárez.

Abstract

Este trabajo parte de los resultados de la Encuesta de Competencias Financieras (ECF), en un intento de contribuir a la mejora de los diseños de políticas de educación financiera, y persigue varios objetivos: (i) cuantificar los conocimientos financieros de los individuos, (ii) relacionarlos con sus características socioeconómicas y (iii) analizar el efecto de la educación financiera en la toma decisiones de ahorro e inversión para un conjunto amplio de activos financiero. Los resultados de este estudio ponen de manifiesto que la educación financiera juega un papel especialmente relevante en la decisión de adquirir activos financieros como títulos de renta fija y variable y de participar en fondos de inversión. Esto es, la educación financiera determina las decisiones de inversión en las que predomina la valoración de la rentabilidad, el riesgo y el plazo de inversión y no las decisiones de ahorro ni de adquisición de productos con marcadas connotaciones de cobertura.

Suggested Citation

  • Anna Ispierto Maté, Irma Martínez García, Gloria Ruiz Suárez., 2021. "Educación financiera y decisiones de ahorro e inversión: un análisis de la Encuesta de Competencias Financieras (ECF)," CNMV Documentos de Trabajo CNMV Documentos de Trabaj, CNMV- Comisión Nacional del Mercado de Valores - Departamento de Estudios y Estadísticas.
    • Handle: RePEc:cnv:docutr:dt_75es
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    References listed on IDEAS

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    More about this item

    Keywords

    Educación financiera; ahorro; inversión.;
    All these keywords.

    JEL classification:

    • A20 - General Economics and Teaching - - Economic Education and Teaching of Economics - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • I21 - Health, Education, and Welfare - - Education - - - Analysis of Education
    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid

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