Education plays a key role for future success and has attracted massive attention. However, the emphasis has been mostly focused on school education, and family education has been largely undervalued. Using a sample of 22,242 individuals from 27 emerging countries, this paper examines how family education impacts individuals' financial decisions, and ultimately financial inclusion. We find that improvements in the quality of family education are positively related with individuals' likelihood of opening bank accounts. More importantly, such relationships are especially pronounced among the most commonly excluded groups of individuals: those living in poverty, in rural communities, and without a job.

教育对未来的成功起着关键作用，并引起了广泛的关注。但是，重点主要放在学校教育上，而家庭教育在很大程度上被低估了。本文使用了来自27个新兴国家的22,242个人的样本，研究了家庭教育如何影响个人的财务决策并最终影响财务包容性。我们发现，家庭教育质量的提高与个人开设银行账户的可能性成正比。更重要的是，这种关系在最普遍被排斥的人群中尤为明显：生活在贫困中，在农村社区中并且没有工作的人。