Brookdale Center for Healthy Aging, Hunter College of the City University of New York.
Texas Elder Abuse & Mistreatment Institute (TEAM) McGovern Medical School, Department of Internal Medicine, Division of Geriatric and Palliative Medicine, The University of Texas Health Science Center at Houston.
Gerontologist. 2019 Mar 14;59(2):e109-e129. doi: 10.1093/geront/gnx045.
Capacity to manage finances and make financial decisions can affect risk for financial exploitation and is often the basis for legal determinations of conservatorship/guardianship. Several structured assessments of financial capacity have been developed, but have not been compared regarding their focus, validity, or reliability. Therefore, we conducted a review of financial capacity measures to examine these factors.
We searched electronic databases, reference lists in identified articles, conference proceedings and other grey literature for measures of financial capacity. We then extracted data on the length and domains of each measure, the population for which they were intended, and their validity and reliability.
We identified 10 structured measures of financial capacity. Most measures could be completed in 25-30 min, and were designed to be administered to older adults with some level of cognitive impairment. Reliability and validity were high for most.
Measurement of financial capacity is complex and multidimensional. When selecting a measure of financial capacity, consideration should be made of the population of focus and the domains of capacity to be assessed. More work is needed on the cultural sensitivity of financial capacity measures, their acceptability, and their use in clinical work. Better understanding of when, and to whom, to administer different financial capacity measures could enhance the ability to accurately detect those suffering from impaired financial capacity, and prevent related negative outcomes like financial exploitation.
管理财务和做出财务决策的能力可能会影响财务剥削的风险，并且通常是监护/监管法律裁决的基础。已经开发出几种针对财务能力的结构化评估方法，但尚未就其重点、有效性或可靠性进行比较。因此，我们对财务能力评估方法进行了综述，以检查这些因素。
我们搜索了电子数据库、已确定文章的参考文献列表、会议记录和其他灰色文献，以寻找财务能力的衡量标准。然后，我们提取了关于每个衡量标准的长度和领域、预期人群以及有效性和可靠性的数据。
我们确定了 10 种结构化的财务能力衡量标准。大多数衡量标准可以在 25-30 分钟内完成，旨在针对认知障碍程度不同的老年人群进行评估。大多数衡量标准的可靠性和有效性都很高。
财务能力的衡量是复杂的和多维度的。在选择财务能力衡量标准时，应考虑到重点人群和要评估的能力领域。需要进一步研究财务能力衡量标准的文化敏感性、可接受性及其在临床工作中的应用。更好地了解何时以及向谁使用不同的财务能力衡量标准，可以提高准确检测那些财务能力受损的人的能力，并防止相关的负面后果，如财务剥削。
