Berti Anna Emilia, Ajello Anna Maria, Aprea Carmela, Castelli Ilaria, Lombardi Elisabetta, Marchetti Antonella, Massaro Davide, Sappa Viviana, Valle Annalisa
Department of Philosophy, Sociology, Pedagogy, and Applied Psychology, Università di Padova , Padova , Italy.
Department of Social and Developmental Psychology, Sapienza Università di Roma , Rome , Italy.
Eur J Psychol. 2017 Mar 3;13(1):143-161. doi: 10.5964/ejop.v13i1.1187. eCollection 2017 Mar.
Over the last decade, Financial Literacy (FL) and interventions aimed at improving it, that is Financial Education (FE), have been the focus of increased attention from economists, governments, and international organizations such as the world Bank and OECD, but much less by scholars in the fields of Learning and Instruction. We examined open-ended written answers on the causes of the economic crisis that started in 2007-2008, as given by 381 Italian secondary school and university students, and 268 Swiss Italian-speaking secondary school students. Most Italian students mentioned internal political causes (i.e., corrupt politicians or inefficiency of the government), whereas Swiss students mentioned banks more often. International factors were rarely mentioned by either group, and explanations were generally very poor, listing a few causes without making connections between them. These findings indicate the need for economics education aimed at making people more knowledgeable of the workings of the economic system and the effects of financial systems on the real economy.
在过去十年中，金融素养（FL）以及旨在提高金融素养的干预措施，即金融教育（FE），已成为经济学家、政府以及世界银行和经合组织等国际组织日益关注的焦点，但学习与教学领域的学者对此关注较少。我们研究了381名意大利中学生和大学生以及268名瑞士意大利语区中学生给出的关于2007 - 2008年开始的经济危机原因的开放式书面回答。大多数意大利学生提到了国内政治原因（即腐败的政治家或政府效率低下），而瑞士学生更常提到银行。两组学生都很少提及国际因素，而且解释通常非常糟糕，只是列举了一些原因，却没有将它们联系起来。这些发现表明需要开展经济教育，以使人们更了解经济体系的运作以及金融体系对实体经济的影响。
