Schreiter Stefanie, Bermpohl Felix, Schouler-Ocak Meryam, Krausz Michael R, Rössler Wulf, Heinz Andreas, Gutwinski Stefan
Charité - Universitätsmedizin Berlin, Corporate member of Freie Universität Berlin, Humboldt-Universität zu Berlin, and Department of Psychiatry and Psychotherapy, Berlin Institute of Health, Berlin, Germany.
Department of Psychiatry and Psychotherapy, Psychiatrische Universitätsklinik der Charité im St. Hedwig-Krankenhaus, Berlin, Germany.
Front Psychiatry. 2020 Jun 3;11:508. doi: 10.3389/fpsyt.2020.00508. eCollection 2020.
Access to a bank account is critical for overall participation in social life and an indicator for social integration. Worldwide about 1.7 billion people remain with no access to banking facilities as a form of financial exclusion which represents 31% of the world's general population. In contrast, in Western countries like Germany, 99% of the general population use bank accounts.
We conducted an exploratory cross-sectional survey on bank account ownership and bank account access among psychiatric in-patients in a psychiatric hospital in Berlin. Out of 540 participants who were reached for an interview, 486 shared information about bank account ownership and 469 on access.
Out of 486 participants 49 (10.1%) did not own a bank account. Among the remaining 420 participants owning a bank account, 36 (8.3%) did not have direct access to their bank account, but only, e.g., their legal guardian. Regression results found psychosis, intellectual disabilities, a longer treatment duration, as well as being of male gender and a more instable housing status to be significantly associated with a missing bank account or a missing access to one's bank account.
The lack of bank account ownership and access among this population of psychiatric patients is concerning. The interrelationship between factors of financial exclusion and mental health should be further explored in longitudinal studies. More attention is needed to support people with severe mental illness to be able to access resources associated with financial inclusion.
拥有银行账户对于全面参与社会生活至关重要，也是社会融合的一个指标。全球约有17亿人无法使用银行设施，这是一种金融排斥形式，占世界总人口的31%。相比之下，在德国等西方国家，99%的普通民众使用银行账户。
我们对柏林一家精神病院的住院精神病患者进行了一项关于银行账户拥有情况和银行账户使用情况的探索性横断面调查。在540名接受访谈的参与者中，486人分享了有关银行账户拥有情况的信息，469人分享了有关银行账户使用情况的信息。
在486名参与者中，49人（10.1%）没有银行账户。在其余420名拥有银行账户的参与者中，36人（8.3%）无法直接使用自己的银行账户，而是只能通过例如他们的法定监护人来使用。回归结果发现，患有精神病、智力残疾、治疗时间较长，以及男性性别和住房状况更不稳定与没有银行账户或无法使用自己的银行账户显著相关。
这一精神病患者群体中缺乏银行账户拥有情况和使用情况令人担忧。金融排斥因素与心理健康之间的相互关系应在纵向研究中进一步探讨。需要更多关注来支持重度精神疾病患者能够获得与金融包容相关的资源。
