9卷 第2期
International Business School , Shandong Technology and Business University, Yantai, Shandong, 264000 , China
纸质出版日期：2025-04-28
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(2025). Financial Literacy, Risk Preference, and Personal Financial. 创意经济（英文版）, 9(2), 173-178.
Liu Haiyi.Financial Literacy, Risk Preference, and Personal Financial[J].Creative Economy,2025,09(02):173-178.
(2025). Financial Literacy, Risk Preference, and Personal Financial. 创意经济（英文版）, 9(2), 173-178. DOI： 10.47297/wspceWSP2516-251930.20250902.
Liu Haiyi.Financial Literacy, Risk Preference, and Personal Financial[J].Creative Economy,2025,09(02):173-178. DOI： 10.47297/wspceWSP2516-251930.20250902.
Against the backdrop of an increasingly complex global economy and continuous innovation in financial products
financial literacy
this is important for people's ability to cope with financial difficulties and has a significant impact on the quality of financial decision-making and personal finances.. However
current research on how financial literacy and risk preference jointly influence personal financial behavior is still insufficient. This study focuses on working people aged 30 to 60 in China. Through a questionnaire survey
149 valid samples were collected. The study employed multiple linear regression
ANOVA
and t-tests to analyze the relationships among financial literacy
risk preference
and personal financial outcomes.Empirical findings confirm that financial literacy significantly improves both monthly income and personal savings.This indicates that individuals with stronger financial knowledge are more likely to make informed financial decisions
which support improved financial well-being. Additionally
risk preference is another critical factor influencing personal financial outcomes. Individuals with a higher risk tolerance often achieve higher savings and income levels. Further analysis reveals that financial literacy and risk preference interact in ways that jointly influence financial behavior.Individuals with greater financial literacy typically demonstrate stronger understanding of financial principles and are more likely to accept financial risk
which may enhance their overall financial status.
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