Wang Yixin, Yang Zhixu, Xin Ziqiang
Department of Psychology, Renmin University of China, 59 Zhongguancun Street, Haidian District, Beijing, 100872, China.
School of Labor Economics, Capital University of Economics and Business, Beijing, 100070, China.
J Gambl Stud. 2024 Jun;40(2):985-1004. doi: 10.1007/s10899-023-10267-2. Epub 2023 Nov 21.
Problem lottery gambling among lottery consumers has increased globally over the years, rendering it necessary to explore their financial literacy characteristics and to answer whether financial literacy inhibits problem lottery gambling. In the present research, a total of 316 Chinese lottery consumers, who constitute the culturally underrepresented samples in the extant literature, completed a survey about financial literacy and problem lottery gambling. Using the propensity score matching method, we compared financial literacy between Chinese lottery consumers and Chinese general population (N = 10,058). The results showed that the five facets of financial literacy (i.e., financial knowledge, financial capacity, financial management values, financial ethics, and wealth values) among Chinese lottery consumers were significantly lower than Chinese general population. Among Chinese lottery consumers, their Homo sociologicus index (including financial ethics and wealth values) negatively predicted problem lottery gambling, but the Homo economicus index (including financial knowledge, financial capacity, and financial management values) was not significantly associated with problem lottery gambling. The theoretical and practical implications of these findings were discussed.
近年来，彩票消费者中的问题彩票赌博现象在全球范围内有所增加，因此有必要探究他们的金融素养特征，并回答金融素养是否能抑制问题彩票赌博。在本研究中，共有316名中国彩票消费者完成了一项关于金融素养和问题彩票赌博的调查，这些消费者在现有文献中是文化代表性不足的样本。我们使用倾向得分匹配法，比较了中国彩票消费者与中国普通人群（N = 10,058）之间的金融素养。结果表明，中国彩票消费者的金融素养的五个方面（即金融知识、金融能力、财务管理价值观、金融伦理和财富价值观）显著低于中国普通人群。在中国彩票消费者中，他们的社会人指数（包括金融伦理和财富价值观）对问题彩票赌博有负向预测作用，但经济人指数（包括金融知识、金融能力和财务管理价值观）与问题彩票赌博没有显著关联。我们讨论了这些发现的理论和实践意义。
