期刊名称：International Journal of Social Sciences and Humanity Studies
电子版ISSN：1309-8063
出版年度：2013
卷号：5
期号：1
出版社：Social Sciences Research Society
摘要：A great number of criticism has been made about the Hungarian population's financial culture and its financial knowledge. The main reason of the incredible indebtedness of households is the lack of financial knowledge, according to several studies, researches and papers. 18-year-olds form a legal entity, they are creditable, they may get into debt limitlessly, and they can allocate their savings where they want to. But what are the main considerations when they choose a credit or a saving construction. What kind of information do they use for their financial decisions. The first aim of the present study is to present the background of the financial decisions of young generations, the circumstances of the compilation of the necessary information, based on the results of a questionnaire research. The second aim of the paper is to reveal the inner context of their decisions with the help of mathematical and statistical methods.
关键词：financial knowledge; consciousness; financial education; risk taking; ; ; var currentpos;timer; function initialize() { timer=setInterval("scrollwindow()";10);} function sc(){clearInterval(timer); }function scrollwindow() { currentpos=document.body.scrollTop; window.scroll(0;++currentpos); if (currentpos != document.body.scrollTop) sc();} document.onmousedown=scdocument.ondblclick=initialize INTERNATIONAL JOURNAL OF SOCIAL SCIENCES AND HUMANITY STUDIES ; Vol 5; No 1; 2013 ISSN: 1309-8063 (Online) ; ; ; 23 ; ; JEL Classification: G 02 ; ; 1. REVIEW OF LITERATURE ; ; Our everyday financial culture; our approach to financial services has gone ; through significant changes during the past years and decades. Banks and ; financial institutions have become a part of our everyday lives; since we pay with ; plastic; we have a credit limit to our accounts; we consume and purchase from ; credit; and increase the value of our surplus money in several kinds of services. ; The financial markets provide and sell more and more new bank and financial ; products and services to exploit these processes. The financial way of thinking ; and its development of average people cannot cope with the development of bank ; services. It is typical of all societies; therefore Hungarian households as well that ; the financial culture of the population is underdeveloped; and cannot keep up with ; the fast development of the financial world and financial products. ; ; Several studies have dealt with the indebtedness of the population after the ; millenium as one of the causes of the crisis of 2008. Lentner-Szigeti-Borzán ; outline the role in the breakout and escalation in the financial markets of the ; following interest groups: ; . ; The supplying banks and other financial enterprises ; . ; Enterprises and households in demand of credit ; . ; The government; national bank and supervisory board having a controlling ; role ; ; There are some who consider the American financial governance responsible ; ; since they left the markets without control in the name of financial liberalisation ; and market fundamentalism; creating a worldwide abundance of money; ; generating an unnatural credit demand; which reached and dishevelled all ; economies of the world (Soros; 2008). Sahlman drew attention to the risk of ; financial innovations; which create and maintain competition on one hand; and on ; the other; exist on the markets as uncontrollable elements generating risk. ; ; Unfortunately the latter; disadvantageous part of his opinion has been practically ; proven. Claessens and partners have named four causes for the breakout of the ; crisis: ; . ; the excessive and sudden increase of asset price
