Adamus Magdalena, Grežo Matúš
Department of Public Economics, Faculty of Economics and Administration, Masaryk University in Brno, Lipová 41a, 602 00 Brno-střed, Czech Republic.
Institute of Experimental Psychology, Centre of Social and Psychological Sciences, Slovak Academy of Sciences, Dúbravská cesta 9, 841 04 Bratislava, Slovakia.
Pers Individ Dif. 2021 Sep;179:110916. doi: 10.1016/j.paid.2021.110916. Epub 2021 Apr 13.
Using a representative sample of 400 Slovaks, the present study investigated the mediating role of subjective perception of financial threat to the relation between psychological resources and behavioural responses in the adaptation to financial stress posed by the COVID-19 pandemic. The results of structural equation modelling analyses showed that greater neuroticism and uncertainty intolerance were positively related to aggravated perception of financial threat. This, in turn, led to greater willingness to change consumption patterns and use of mostly problem-focused coping strategies. The model remained robust after controlling for chronic financial hardship moderators, including the absence of savings and indebtedness. In contrast, the acute financial hardship caused by the deterioration of one's financial situation during the COVID-19 pandemic showed to significantly moderate the relation between one's psychological resources and perceived financial threat.
本研究以400名斯洛伐克人为代表性样本，调查了在适应新冠疫情造成的财务压力过程中，财务威胁的主观认知在心理资源与行为反应之间关系中所起的中介作用。结构方程模型分析结果表明，更高的神经质和不确定性不耐受与加剧的财务威胁认知呈正相关。反过来，这又导致更愿意改变消费模式，并更多地使用主要聚焦于问题的应对策略。在控制了包括无储蓄和负债在内的长期财务困境调节因素后，该模型依然稳健。相比之下，新冠疫情期间个人财务状况恶化所导致的急性财务困境，显著调节了个人心理资源与感知到的财务威胁之间的关系。
