Financial Education, Savings and Investments: An Overview
Savings and investments by individuals are important both for personal financial well-being and for economic growth. Many governments try to encourage their citizens to save more, or to save more appropriately, by preferring formal institutions to informal saving and by promoting more diversificatio...
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Paris
OECD Publishing
2012
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| Schriftenreihe: | OECD Working Papers on Finance, Insurance and Private Pensions
no.22 |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | Savings and investments by individuals are important both for personal financial well-being and for economic growth. Many governments try to encourage their citizens to save more, or to save more appropriately, by preferring formal institutions to informal saving and by promoting more diversification. However, there are considerable barriers to saving, including limited access to financial markets by some groups, complexity of financial products and information asymmetries. Knowledge and understanding of saving and investment concepts is particularly low in many countries. In addition, there are behavioural and cultural factors which may limit people's propensity to save. As a consequence, policy makers have developed several strategies to influence whether and how individuals save. Policy responses typically involve a combination of prudential regulation and consumer protection legislation, financial incentives, financial education and awareness initiatives, as well as behavioural techniques to encourage people into sound saving decisions. |
| Beschreibung: | 1 Online-Ressource (44 p.) 21 x 29.7cm. |
| DOI: | 10.1787/5k94gxrw760v-en |
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| spelling | Lewis, Sue VerfasserIn aut Financial Education, Savings and Investments An Overview Sue, Lewis and Flore-Anne, Messy = Education financière, épargne et investissement : Vue d'ensemble / Sue, Lewis et Flore-Anne, Messy Education financière, épargne et investissement Paris OECD Publishing 2012 1 Online-Ressource (44 p.) 21 x 29.7cm. Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier OECD Working Papers on Finance, Insurance and Private Pensions no.22 Savings and investments by individuals are important both for personal financial well-being and for economic growth. Many governments try to encourage their citizens to save more, or to save more appropriately, by preferring formal institutions to informal saving and by promoting more diversification. However, there are considerable barriers to saving, including limited access to financial markets by some groups, complexity of financial products and information asymmetries. Knowledge and understanding of saving and investment concepts is particularly low in many countries. In addition, there are behavioural and cultural factors which may limit people's propensity to save. As a consequence, policy makers have developed several strategies to influence whether and how individuals save. Policy responses typically involve a combination of prudential regulation and consumer protection legislation, financial incentives, financial education and awareness initiatives, as well as behavioural techniques to encourage people into sound saving decisions. Finance and Investment Messy, Flore-Anne MitwirkendeR ctb FWS01 ZDB-13-SOC FWS_PDA_SOC https://doi.org/10.1787/5k94gxrw760v-en Volltext |
| spellingShingle | Lewis, Sue Financial Education, Savings and Investments An Overview Finance and Investment |
| title | Financial Education, Savings and Investments An Overview |
| title_alt | Education financière, épargne et investissement |
| title_auth | Financial Education, Savings and Investments An Overview |
| title_exact_search | Financial Education, Savings and Investments An Overview |
| title_full | Financial Education, Savings and Investments An Overview Sue, Lewis and Flore-Anne, Messy = Education financière, épargne et investissement : Vue d'ensemble / Sue, Lewis et Flore-Anne, Messy |
| title_fullStr | Financial Education, Savings and Investments An Overview Sue, Lewis and Flore-Anne, Messy = Education financière, épargne et investissement : Vue d'ensemble / Sue, Lewis et Flore-Anne, Messy |
| title_full_unstemmed | Financial Education, Savings and Investments An Overview Sue, Lewis and Flore-Anne, Messy = Education financière, épargne et investissement : Vue d'ensemble / Sue, Lewis et Flore-Anne, Messy |
| title_short | Financial Education, Savings and Investments |
| title_sort | financial education savings and investments an overview |
| title_sub | An Overview |
| topic | Finance and Investment |
| topic_facet | Finance and Investment |
| url | https://doi.org/10.1787/5k94gxrw760v-en |
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