【摘要】 本文从金融知识、金融技能、金融意识、金融行为四个维度对青年人的金融素养进行测度，并基于Heckman两步法，研究青年人金融素养对其投资理财的影响，实证结果表明金融素养提升有助于提高青年人参与投资理财的意愿，金融素养对不同类型投资理财产品的参与意愿具有差异性，金融素养提升有助于提高其投资理财收益率。本文政策寓意在于强化金融教育、普及金融知识、分层次供给金融产品、营造家庭理财氛围。更多还原

【Abstract】 This paper measures young people’s financial literacy from four dimensions of financial knowledge, financial skills, financial awareness and financial behavior, and studies the impact of young people’s financial literacy on their investment based on Heckman’s two-step method. The empirical results show that the improvement of financial literacy helps to improve young people’s willingness to participate in investment, and financial literacy has differences in the willingness to participate in different types of investment products, The improvement of financial literacy is helpful to improve the rate of return on investment. The policy implication of this article is to strengthen financial education, popularize financial knowledge, provide financial products at different levels, and create a family finance atmosphere.更多还原