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Finanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich?

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  3. Vierteljahrshefte zur Wirtschaftsforschung
  4. Vol. 90, Issue 1
  5. pp. 11–32

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Bucher-Koenen, T., Knebel, C. Finanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich?. Vierteljahrshefte zur Wirtschaftsforschung, 90(1), 11-32. https://doi.org/10.3790/vjh.90.1.11
Bucher-Koenen, Tabea and Knebel, Caroline "Finanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich?" Vierteljahrshefte zur Wirtschaftsforschung 90.1, 2021, 11-32. https://doi.org/10.3790/vjh.90.1.11
Bucher-Koenen, Tabea/Knebel, Caroline (2021): Finanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich?, in: Vierteljahrshefte zur Wirtschaftsforschung, vol. 90, iss. 1, 11-32, [online] https://doi.org/10.3790/vjh.90.1.11
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Finanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich?

Bucher-Koenen, Tabea | Knebel, Caroline

Vierteljahrshefte zur Wirtschaftsforschung, Vol. 90 (2021), Iss. 1 : pp. 11–32

9 Citations (CrossRef)

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Article Details

Publisher Name
Duncker & Humblot
DOI
https://doi.org/10.3790/vjh.90.1.11
Language
German
Pages
22
Keywords

Author Details

Tabea Bucher-Koenen, Universität Mannheim, ZEW und MEA

Caroline Knebel, Goethe-Universität Frankfurt und ZEW

Cited By

  1. Financial Literacy, Stock Market Participation, and Financial Well-Being in Germany

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  2. Die Rolle der betrieblichen Altersvorsorge für die Einkünfte im Alter – aktuelle Evidenz und Datengrundlagen (The Role of Company Pension Schemes for Income in Old Age - Current Evidence and Database)

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    SSRN Electronic Journal , Vol. (2021), Iss.

    https://doi.org/10.2139/ssrn.3996198 [Citations: 0]

  3. Attraktive Finanzbildung für junge Menschen mit CashCoach

    Ambacher, Thorben | Cziriak, Marius | Dorn, Georg | Franz, Viola | Härtweg, Leonie | Keller, Antonia Katharina | Nothdurft, Hannah | Uhlig, Carolin | Vogler, Manuel | Voronkoff, Boris

    Wirtschaftsdienst, Vol. 103 (2023), Iss. 12 P.850

    https://doi.org/10.2478/wd-2023-0231 [Citations: 0]

  4. ESG, CSR und SDG als langfristiger Wettbewerbsvorteil

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    2024

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  5. Finanzielle Kompetenzen und Defizite in Deutschland – eine aktuelle Bestandsaufnahme

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    https://doi.org/10.1007/s41025-021-00235-2 [Citations: 0]

  6. Investment in risky assets and participation in the financial market: does financial literacy matter?

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    https://doi.org/10.1007/s12232-023-00432-9 [Citations: 1]

  7. Financial literacy, stock market participation, and financial wellbeing in Germany

    Bucher-Koenen, Tabea | Janssen, Bennet | Knebel, Caroline | Tzamourani, Panagiota

    Journal of Financial Literacy and Wellbeing, Vol. 1 (2023), Iss. 3 P.486

    https://doi.org/10.1017/flw.2024.5 [Citations: 2]

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  9. Eine empirische Studie zum Zusammenhang von ökonomischer Kompetenz und Finanzverhalten unter Berücksichtigung individueller Präferenzen

    Eberle, Mira

    Zeitschrift für Erziehungswissenschaft, Vol. (2024), Iss.

    https://doi.org/10.1007/s11618-024-01274-z [Citations: 0]

References

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  4. Börsch-Supan, Axel, Tabea Bucher-Koenen, Michela Coppola und Bettina Lamla (2015): Savings in Times of Demographic Change: Lessons from the German Experience. Journal of Economic Surveys, 29 (4), 807 – 829.  Google Scholar
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  9. Bucher-Koenen, Tabea und Annamaria Lusardi (2011): Financial Literacy and Retirement Planning in Germany. Journal of Pension Economics and Finance, 10 (4), 565 – 584.  Google Scholar
  10. Bucher-Koenen, Tabea, Annamaria Lusardi, Rob Alessie und Maarten Van Rooij (2017): How Financially Literate Are Women? An Overview and New Insights. The Journal of Consumer Affairs, 51 (2), 255 – 283.  Google Scholar
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  21. Klapper, Leora und Annamaria Lusardi (2020): Financial Literacy and Financial Resilience: Evidence from around the World. Financial Management, 49, 589 – 614.  Google Scholar
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  28. Lusardi, Annamaria und Olivia S. Mitchell (2011a): Financial Literacy and Planning: Implications for Retirement Wellbeing. In: Olivia S. Mitchell and Annamaria Lusardi (Hrsg.), Financial Literacy: Implications for Retirement Security and the Financial Marketplace. Oxford: Oxford University Press, 17 – 49.  Google Scholar
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  30. Lusardi, Annamaria und Olivia S. Mitchell (2014): The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52 (1), 5 – 44.  Google Scholar
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  32. Lusardi, Annamaria, Olivia S. Mitchell und Noemi Oggero (2020): Debt and Financial Vulnerability on the Verge of Retirement. Journal of Money, Credit and Banking, 52 (5), 1005 – 1034.  Google Scholar
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  34. OECD (2016): OECD/INFE International Survey of Adult Financial Literacy Competencies.  Google Scholar
  35. OECD (2017): G20/OECD INFE Report on Adult Financial Literacy in G20 Countries.  Google Scholar
  36. OECD (2018): OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion.  Google Scholar
  37. OECD (2019): Smarter Financial Education: Key Lessons from Behavioral Insights for Financial Literacy Initiatives.  Google Scholar
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  41. Van Rooij, Maarten, Annamaria Lusardi und Rob Alessie (2011): Financial Literacy and Stock Market Participation. Journal of Financial Economics, 102 (2), 449 – 472.  Google Scholar
  42. Van Rooij, Maarten, Annamaria Lusardi und Rob Alessie (2012): Financial Literacy, Retirement Planning and Household Wealth. The Economic Journal, 122 (560), 449 – 478.  Google Scholar
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  44. Breunig, Christoph, Steffen Huck, Tobias Schmidt und Georg Weizsäcker (2019): The Standard Portfolio Choice Problem in Germany. Rationality and Competition, Discussion Paper No. 171.  Google Scholar
  45. Bucher-Koenen, Tabea (2009): Financial Literacy and Private Old-Age Provision in Germany – Evidence from SAVE 2008. MEA Discussion Paper No. 192 – 2009.  Google Scholar
  46. Bucher-Koenen, Tabea, Rob Alessie, Annamaria Lusardi und Maarten Van Rooij (2021): Fearless Woman: Women’s Financial Literacy and Stock Market Participation, ZEW Discussion Paper No. 21 – 015, Mannheim.  Google Scholar
  47. Bucher-Koenen, Tabea und Bettina Lamla (2018): The Long Shadow of Socialism: On East-West German Differences in Financial Literacy. Economic Notes, 47, 413 – 438.  Google Scholar
  48. Bucher-Koenen, Tabea und Annamaria Lusardi (2011): Financial Literacy and Retirement Planning in Germany. Journal of Pension Economics and Finance, 10 (4), 565 – 584.  Google Scholar
  49. Bucher-Koenen, Tabea, Annamaria Lusardi, Rob Alessie und Maarten Van Rooij (2017): How Financially Literate Are Women? An Overview and New Insights. The Journal of Consumer Affairs, 51 (2), 255 – 283.  Google Scholar
  50. Demirguc-Kunt, Asli, Leora Klapper, Dorothe Singer und Peter Van Oudheusden, (2015): The Global Findex Database 2014: Measuring Financial Inclusion around the World. World Bank Policy Research Working Paper 7255.  Google Scholar
  51. Deuflhard, Florian, Dimitris Georgarakos und Roman Inderst (2019): Financial Literacy and Savings Account Returns. Journal of the European Economic Association, 17 (1), 131 – 164.  Google Scholar
  52. Deutsche Bundesbank (2016): Geschäftsbericht 2016; ISSN 1861 – 5686 (online). https://www.bundesbank.de/resource/blob/670006/ec4db2aa18bf59d7d31735acdba7bb11/mL/2016-geschaeftsbericht-data.pdf.  Google Scholar
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  54. Fernandes, Daniel, John G. Lynch Jr. und Richard G. Netemeyer (2014): Financial Literacy, Financial Education, and Downstream Financial Behaviors. Management Science, 60 (8), 1861 – 1883.  Google Scholar
  55. Gaudecker, Hans-Martin von (2015): How Does Household Portfolio Diversification Vary with Financial Literacy and Financial Advice? The Journal of Finance, 70 (2), 489 – 507.  Google Scholar
  56. Kaiser, Tim, Annamaria Lusardi, Lukas Menkhoff und Carly Urban (2020): Financial Education Affects Financial Knowledge and Downstream Behaviors. NBER Working Paper Series, No. 27057.  Google Scholar
  57. Kaiser, Tim und Lukas Menkhoff (2017): Does Financial Education Impact Financial Literacy and Financial Behavior, and If So, When? The World Bank Economic Review, 31 (3), 611 – 630.  Google Scholar
  58. Kaiser, Tim und Lukas Menkhoff (2020): Financial Education in Schools: A Meta-Analysis of Experimental Studies. Economics of Education Review, 78, 101930.  Google Scholar
  59. Kaminski, Hans und Stephan Friebel (2012): Finanzielle Allgemeinbildung als Bestandteil der ökonomischen Bildung. Arbeitspapier Juli 2012.  Google Scholar
  60. Klapper, Leora und Annamaria Lusardi (2020): Financial Literacy and Financial Resilience: Evidence from around the World. Financial Management, 49, 589 – 614.  Google Scholar
  61. Klapper, Leora, Annamaria Lusardi und Peter Van Oudheusenden (2015): Financial Literacy Around the World: Insights from the Standard & Poor’s Ratings Services Global Financial Literacy Survey.  Google Scholar
  62. Kultusministerkonferenz (2008): Wirtschaftliche Bildung an allgemein bildenden Schulen – Bericht der Kultusministerkonferenz vom 19. 10. 2001 i. d. F. vom 27. 06. 2008. Hrsg.: Sekretariat der Ständigen Konferenz der Kultusminister der Länder in der Bundesrepublik Deutschland. (https://www.kmk.org/fileadmin/veroeffentlichungen_beschluesse/2001/2001_10_19_Wirtschaftl_Bildung.pdf).  Google Scholar
  63. Lührmann, Melanie, Marta Serra-Garcia und Joachim Winter (2015): Teaching Teenagers in Finance: Does it work? Journal of Banking & Finance, 54, 160 – 174.  Google Scholar
  64. Lu¨hrmann, Melanie, Marta Serra-Garcia und Joachim Winter (2018): The Impact of Financial Education on Adolescents’ Intertemporal Choices. American Economic Journal: Economic Policy, 10 (3), 309 – 332.  Google Scholar
  65. Lusardi, Annamaria, Pierre-Carl Michaud und Olivia S. Mitchell (2017): Optimal Financial Knowledge and Wealth Inequality. Journal of Political Economy, 125 (2), 431 – 477.  Google Scholar
  66. Lusardi, Annamaria und Olivia S. Mitchell (2008): Planning and Financial Literacy: How Do Women Fare? American Economic Review: Papers & Proceedings, 98 (2), 413 – 417.  Google Scholar
  67. Lusardi, Annamaria und Olivia S. Mitchell (2011a): Financial Literacy and Planning: Implications for Retirement Wellbeing. In: Olivia S. Mitchell and Annamaria Lusardi (Hrsg.), Financial Literacy: Implications for Retirement Security and the Financial Marketplace. Oxford: Oxford University Press, 17 – 49.  Google Scholar
  68. Lusardi, Annamaria und Olivia S. Mitchell (2011b): Financial Literacy around the World: An Overview. Journal of Pension Economics & Finance, 10 (4), 497 – 508.  Google Scholar
  69. Lusardi, Annamaria und Olivia S. Mitchell (2014): The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52 (1), 5 – 44.  Google Scholar
  70. Lusardi, Annamaria und Olivia S. Mitchell (2017): How Ordinary Consumers Make Complex Economic Decisions: Financial Literacy and Retirement Readiness. Quarterly Journal of Finance, 7 (3), 1 – 31.  Google Scholar
  71. Lusardi, Annamaria, Olivia S. Mitchell und Noemi Oggero (2020): Debt and Financial Vulnerability on the Verge of Retirement. Journal of Money, Credit and Banking, 52 (5), 1005 – 1034.  Google Scholar
  72. OECD (2005): Improving Financial Literacy – Analysis of Issues and Policies.  Google Scholar
  73. OECD (2016): OECD/INFE International Survey of Adult Financial Literacy Competencies.  Google Scholar
  74. OECD (2017): G20/OECD INFE Report on Adult Financial Literacy in G20 Countries.  Google Scholar
  75. OECD (2018): OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion.  Google Scholar
  76. OECD (2019): Smarter Financial Education: Key Lessons from Behavioral Insights for Financial Literacy Initiatives.  Google Scholar
  77. OECD (2020a): Recommendation of the Council on Financial Literacy, OECD/LEGAL/0461.  Google Scholar
  78. OECD (2020b): OECD/INFE 2020 International Survey of Adult Financial Literacy.  Google Scholar
  79. Schmidt, Tobias und Panagiota Tzamourani (2017): Zur finanziellen Bildung der privaten Haushalte in Deutschland: Ausgewählte Ergebnisse aus der Studie „Private Haushalte und ihre Finanzen (PHF)“. Vierteljahrshefte zur Wirtschaftsforschung, 86 (4), 31 – 49.  Google Scholar
  80. Van Rooij, Maarten, Annamaria Lusardi und Rob Alessie (2011): Financial Literacy and Stock Market Participation. Journal of Financial Economics, 102 (2), 449 – 472.  Google Scholar
  81. Van Rooij, Maarten, Annamaria Lusardi und Rob Alessie (2012): Financial Literacy, Retirement Planning and Household Wealth. The Economic Journal, 122 (560), 449 – 478.  Google Scholar
  82. Weber, Birgit (2017): Finanzielle Bildung in der Sekundarstufe I: curriculare Verankerung und Herausforderungen. Vierteljahrshefte zur Wirtschaftsforschung, 86 (3), 27 – 39.  Google Scholar
  83. Atkinson, Adele und Flore-Anne Messy (2012): Measuring Financial Literacy: Results of the OECD/International Network on Financial Education (INFE) Pilot Study. OECD Working Papers on Finance, Insurance and Private Pensions, No. 15, OECD Publishing, Paris.  Google Scholar
  84. Bannier, Christina E. und Milena Neubert (2016): Gender Differences in Financial Risk Taking: The Role of Financial Literacy and Risk Tolerance. Economics Letters 145, 130 – 135.  Google Scholar
  85. Bannier, Christina E. und Milena Schwarz (2018): Gender- and Education-Related Effects of Financial Literacy and Confidence on Financial Wealth. Journal of Economic Psychology, 67, 66 – 86.  Google Scholar
  86. Börsch-Supan, Axel, Tabea Bucher-Koenen, Michela Coppola und Bettina Lamla (2015): Savings in Times of Demographic Change: Lessons from the German Experience. Journal of Economic Surveys, 29 (4), 807 – 829.  Google Scholar

Abstract

In an international comparison, Germans have a relatively high level of financial knowledge. However, this does not imply that financial knowledge is universally distributed. The share of respondents, who are able to answer three basic questions about interest rate, inflation, and risk diversification correctly, lies between 53 % and 62 %. Among women, older individuals, and people with low income or low education, this share is substantially lower. Research has shown that financial knowledge positively affects financial decision-making. Furthermore, financial education programs can enhance financial knowledge and behavior. In Germany, no broad financial literacy strategy exists and, therefore, no targeted evaluations and quality assurance measures for programs are in place. Such a strategy could improve people’s financial decisions as well as the overall financial stability.

Table of Contents

Section Title Page Action Price
Tabea Bucher-Koenen und Caroline Knebel:\nFinanzwissen und Finanzbildung in Deutschland – Was wissen wir eigentlich? 11
1 Einleitung 12
2 Wie steht es um Finanzwissen in Deutschland? 15
2.1 Messung von Finanzwissen in Umfragen 15
2.2 Finanzwissen in Deutschland im internationalen Vergleich 16
2.3 Aktuelle Ergebnisse aus dem PHF Datensatz 2017 18
3 Finanzwissen und Finanzentscheidungen 11
4 Finanzbildung 11
4.1 Welche Maßnahmen finanzieller Bildung wirken? 11
4.2 Finanzbildungsinitiativen in Deutschland 11
4.3 Aktuelle Ergebnisse zu finanzieller Bildung aus dem PHF Datensatz 2017 11
5 Fazit 11
Literaturverzeichnis 11
Appendix 12

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