School of Social Work, Saint Louis University, St Louis, MO, United States.
School of Social Work, Virginia Commonwealth University, Richmond, VA, United States.
J Gerontol Soc Work. 2021 Apr-May;64(3):238-256. doi: 10.1080/01634372.2020.1865496. Epub 2020 Dec 22.
This systematic review focuses on examining the effects of interventions that facilitate retirement savings through a financial capability approach, which combines financial education and financial access. Systematic review procedures were used to search for published and unpublished experimental studies in multiple databases and gray literature sources that met eligibility criteria. Four research projects published through May 2020 were eligible for the review. Results suggest that, thus far, there is no clear rigorous evidence that the interventions that use a financial capability approach to promote retirement savings improve individual financial behaviors or financial outcomes. Policy and practice implications are discussed.
本系统评价重点考察了通过金融能力方法（将金融教育和金融获取相结合）促进退休储蓄的干预措施的效果。系统评价程序用于在多个数据库和灰色文献来源中搜索符合资格标准的已发表和未发表的实验研究。有四项研究项目在 2020 年 5 月之前符合审查标准。结果表明，到目前为止，尚无明确的严格证据表明，采用金融能力方法促进退休储蓄的干预措施可以改善个人的财务行为或财务结果。讨论了政策和实践的影响。
