巴西退休的财务准备:跨学科财务规划模型的跨文化测试。
Financial Preparation for Retirement in Brazil: a Cross-Cultural Test of the Interdisciplinary Financial Planning Model.
作者信息
França Lucia H F, Hershey Douglas A
机构信息
Graduate Studies in Psychology, UNIVERSO, R. Mal. Deodoro, 263 - Centro, Niterói, RJ, 24030-060, Brazil.
Department of Psychology, Oklahoma State University, Stillwater, OK, 74078, USA.
出版信息
J Cross Cult Gerontol. 2018 Mar;33(1):43-64. doi: 10.1007/s10823-018-9343-y.
In this investigation, we attempt to replicate the Interdisciplinary Financial Planning Model advanced by Hershey et al. (International Journal of Aging and Human Development, 70, 1-38, 2010) using a sample of Brazilian adults. This model, which was originally tested on individuals from The Netherlands and the United States, posits that psychological, social, and economic forces are key determinants of retirement planning practices and perceptions of saving adequacy. Taken together, fifteen hypotheses were subject to evaluation. Participants were 167 Brazilian working adults, 21-69 years of age, who were married or cohabitating at the time of testing. A path analysis model showed substantial support for the theoretical framework, with all variables found to contribute directly or indirectly to the prediction of financial planning and saving adequacy. Furthermore, two new paths were found to emerge in the Brazilian model that were not observed in the original investigation. This cross-national replication of the Interdisciplinary Financial Planning Model extends research on the topic to a developing country in which relatively few empirical studies of retirement planning have been carried out. Other analyses in the article focus on direct comparisons between the Brazilian model and the models developed based on American and Dutch respondents, with an eye toward better understanding how cultural forces shape the retirement planning process. The discussion focuses on how models of financial planning, such as the Hershey et al. (2010) model, can inform the development of savings-oriented education and intervention programs.
在本调查中,我们尝试使用巴西成年人样本复制由赫尔希等人(《国际老龄化与人类发展杂志》,第70卷,第1 - 38页,2010年)提出的跨学科财务规划模型。该模型最初是在荷兰和美国的个体上进行测试的,它假定心理、社会和经济力量是退休规划实践和储蓄充足感认知的关键决定因素。总共对15个假设进行了评估。参与者为167名年龄在21至69岁之间的巴西在职成年人,他们在测试时已婚或同居。路径分析模型为该理论框架提供了大量支持,发现所有变量都直接或间接地有助于预测财务规划和储蓄充足性。此外,在巴西模型中发现了两条在原调查中未观察到的新路径。跨学科财务规划模型的这种跨国复制将该主题的研究扩展到了一个退休规划实证研究相对较少的发展中国家。文章中的其他分析侧重于巴西模型与基于美国和荷兰受访者开发的模型之间的直接比较,旨在更好地理解文化力量如何塑造退休规划过程。讨论聚焦于诸如赫尔希等人(2010年)模型之类的财务规划模型如何为以储蓄为导向的教育和干预计划的制定提供信息。