城市居民金融社会化水平测度研究

金融社会化发展已成为当今金融发展的一个重要趋势，越来越多的普通百姓更加关注金融时事，参与金融活动。本文通过对陕西省西安市居民金融知识、金融意识、金融行为与金融外部环境的实证研究，得出居民年龄、学历、职业与性别对居民金融社会化有一定的影响；并利用Probit模型分析了这些因素对城市居民金融社会化发展的影响大小。最后，针对性的提出发展金融社会化的政策建议。

Measurement for Financial Socialization Development of Citizens

The development of financial socialization has already been an important trend of financial development. More and more common people begin to care about financial affairs, and participate in financial dealings. This paper shows that age, education, occupation and sex influence the financial socialization development of citizen through the research on the financial knowledge, financial consciousness, financial behavior and financial environment of Xi＇an citizens. Then this paper analyses the influence of these factors on the financial socialization development. Finally, this paper gives some suggestions to promote the development of financial socialization.