Van Nguyen Ha, Ha Giang Hai, Nguyen Diep Ngoc, Doan Anh Hai, Phan Hai Thanh
Faculty of Business Administration, Banking Academy, Hanoi 100000, Viet Nam.
Institute of Theoretical and Applied Research, Duy Tan University, Hanoi 100000, Viet Nam.
Heliyon. 2022 Jun 3;8(6):e09638. doi: 10.1016/j.heliyon.2022.e09638. eCollection 2022 Jun.
This study aims to identify whether demographics, socio-economic factors, the usage of the internet, smartphone and bank, and cultural factor affect Vietnamese adults' financial literacy. A sample of 669 participants participated in the online survey questionnaire (response rate of 89.92%). Multivariate general linear model regression shows that adults of younger age have better skills in cash management, credit management, savings and investment, and financial management compared to older adults. The findings suggest that participants with better income could manage savings and overall finance more effectively. Furthermore, respondents with "Uncertain avoidance" in the culture had better skills in cash management, saving, and investment. Meanwhile, preferring masculinity had higher scores in credit management, insurance, and total scale compared to those preferring femininity. The significant contribution of this study is its usefulness for economic players to have assertive financial strategies and policymakers to enhance the level of financial literacy and provide trustworthy financial guidance.
本研究旨在确定人口统计学、社会经济因素、互联网、智能手机和银行的使用情况以及文化因素是否会影响越南成年人的金融素养。669名参与者参与了在线调查问卷（回复率为89.92%）。多元一般线性模型回归显示，与老年人相比，年轻成年人在现金管理、信贷管理、储蓄和投资以及财务管理方面具有更好的技能。研究结果表明，收入较高的参与者能够更有效地管理储蓄和整体财务。此外，在文化中具有“不确定性规避”的受访者在现金管理、储蓄和投资方面具有更好的技能。同时，与偏好女性气质的人相比，偏好男性气质的人在信贷管理、保险和总得分方面得分更高。本研究的重要贡献在于，它有助于经济参与者制定果断的金融策略，也有助于政策制定者提高金融素养水平并提供可靠的金融指导。
