Vloga poznavanja finančnih konceptov pri oblikovanju posameznikovega odnosa do bank
Ključne besede:
finance, finančna pismenost, študenti, banke, odnos do bank, vedenjePovzetek
V času po finančni krizi, ko se finančne inštitucije, sploh pa banke, soočajo s problemom ponovnega vzpostavljanja zaupanja, je zaradi ohranjanja finančne stabilnosti pomembno poznavanje dejavnikov, ki vplivajo na odnos posameznikov do bank. Pojem je s teoretičnega vidika sicer precej nedefiniran, empirično pa ga je mogoče zaznati posredno z ovrednotenjem vedenjskih značilnosti posameznika. Namen prispevka je raziskati odnos študentske populacije do bank. Poznavanje tega segmenta je za banke, finančni trg in ne nazadnje tudi za nosilce ekonomske in izobraževalne politike zelo pomembno. Pomembno pa je tudi finančno izobraževanje. Le institucionalni pristop lahko zagotovi ustrezno kakovost izobraževanja na področju financ na različnih izobraževalnih ravneh, torej celotni izobraževalni vertikali, od predšolskih programov pa do podiplomskega študija in programov za odrasle, in tako posamezniku ponudi tisto znanje, ki mu bo omogočilo pravilneje, to je bolj objektivno, vrednotiti tržne informacije o finančnih produktih, finančnem trgu in finančni stabilnosti. S tem se zožuje prostor za prevare, oderuštvo, prezadolženost posameznikov in tudi neutemeljeno finančno paniko s potencialno škodljivimi posledicami med splošno populacijo.
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Avtorske pravice (c) 2022 Vita Jagrič, Timotej Jagrič, Sabina Taškar Beloglavec
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