Abstract

This research aims to classify college students into meaningful groups based on their subjective financial knowledge (SFK), objective financial knowledge (OFK), and comparative financial knowledge (CFK) using Latent Profile Analysis (LPA). LPA captures underlying dynamics within the grouping variables and compares group differences. Results of LPA suggest three groups of college students in the sample, and the groups differed in levels of financial well-being (FWB), financial risk tolerance (FRT), and financial education experience (FEE).

中文翻译：

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大学生金融知识的潜在轮廓分析：金融教育的作用、金融福祉和金融风险承受能力

摘要

本研究旨在使用潜在概况分析 (LPA) 根据大学生的主观金融知识 (SFK)、客观金融知识 (OFK) 和比较金融知识 (CFK) 将大学生分为有意义的群体。LPA 捕捉分组变量中的潜在动态并比较组间差异。LPA的结果表明样本中有三组大学生，各组在财务幸福感（FWB）、财务风险承受能力（FRT）和财务教育经验（FEE）方面存在差异。