Financial management differs across households with consequences for financial outcomes and well-being of partners in households. A large-sample study has been performed, investigating the relationship between financial management of households and the occurrence of financial problems. To our knowledge, this is the first study on this relationship. Data from both partners was collected on having joint and separate bank accounts, on financial decision making, on drivers of financial management, and on financial outcomes. Based on the data, four financial management styles were derived: syncratic/joint, male-dominant, female-dominant, and autonomous financial management. In the syncratic style, partners have a joint bank account and take most financial decisions together. In the male/female-dominant styles, one partner (husband or wife) takes the main financial decisions. In the autonomous style, both partners have their own bank accounts and make their own decisions. As a conclusion, we find that syncratic financial management and having a joint instead of a separate bank account correlates with fewer financial problems, as compared with male-dominant money management and having separate bank accounts. Deciding together as partners is beneficial for the quality of financial management and for avoiding financial problems.

财务管理在每个家庭中都不同，对财务结果和家庭中伴侣的幸福感都有影响。已经进行了大样本研究，调查了家庭财务管理与财务问题发生之间的关系。就我们所知，这是对此关系的首次研究。双方收集了有关拥有共同和独立银行账户，财务决策，财务管理动因和财务结果的数据。根据这些数据，得出了四种财务管理样式：同等/联合，男性为主，女性为主和自主财务管理。合作伙伴以同步的方式拥有一个共同的银行帐户，并共同做出大多数财务决策。在男性/女性主导风格中，一位伴侣（丈夫或妻子）负责主要的财务决策。双方以自治方式拥有自己的银行帐户并做出自己的决定。总而言之，我们发现与男性主导的资金管理和独立的银行账户相比，同步财务管理和拥有联合账户而不是单独的银行账户与较少的财务问题相关。共同确定合作伙伴有利于财务管理的质量和避免财务问题。与以男性为主的资金管理和拥有单独的银行帐户相比。共同确定合作伙伴有利于财务管理的质量和避免财务问题。与以男性为主的资金管理和拥有单独的银行帐户相比。共同确定合作伙伴有利于财务管理的质量和避免财务问题。