Based on analysis of 14 years of data on Dutch consumers' trust in financial institutions, we find that financially literate consumers are more likely to trust banks, insurance companies and pension funds. This result applies both to broad-scope trust (trust in financial institutions in general) and narrow-scope trust (trust in one's own financial institution). Our conclusion holds when we use a financial literacy proxy based on self-assessed knowledge or a proxy based on actual knowledge. For all types of financial institutions researched, we find that narrow-scope trust is significantly higher than broad-scope trust, but both forms of trust are positively related. Financially knowledgeable people are more likely to trust managers of financial institutions and have more trust in the prudential supervisory authority. Finally, our results suggest that trust in the supervisory authority positively correlates with trust in the financial sector.

中文翻译：

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金融知识和对金融机构的信任

基于对荷兰消费者对金融机构信任度 14 年的数据分析，我们发现具有金融知识的消费者更可能信任银行、保险公司和养老基金。这一结果既适用于广泛信任（对一般金融机构的信任），也适用于狭隘信任（对自己金融机构的信任）。当我们使用基于自我评估知识的金融素养代理或基于实际知识的代理时，我们的结论成立。对于所研究的所有类型的金融机构，我们发现窄范围信任显着高于宽范围信任，但两种形式的信任呈正相关。懂金融的人更可能信任金融机构的管理者，更信任审慎监管机构。最后，