In this paper, we ask whether interviewers influence the answers to a standard set of survey questions on financial literacy. We study data from Germany's wealth survey, the Panel on Household Finances (PHF). We have access to extensive auxiliary data, including interviewer identifiers, background characteristics of interviewers and measures of interviewer activity through the survey. We find that interviewer effects explain a significant fraction of the variance of the financial literacy score, and intra‐interviewer correlations are notably larger for the financial literacy score than for other survey variables. We explore how accounting for interviewer effects can improve estimates of the effects of financial literacy on financial behaviours and outcomes.

中文翻译：

---

采访者的影响和金融素养的衡量

在本文中，我们询问访调员是否会影响有关金融素养的一组标准调查问题的答案。我们研究的数据来自德国的财富调查，即家庭金融小组（PHF）。通过调查，我们可以访问广泛的辅助数据，包括访问者标识符，访问者的背景特征以及访问者活动的度量。我们发现，访调员的影响解释了金融知识得分方差的很大一部分，并且访查员内部的相关性对于金融知识得分的影响明显大于其他调查变量。我们探讨了对面试官影响的会计处理如何改善对金融素养对财务行为和结果的影响的估计。