檔案整理者馮凱琳
提交日期06/06/2023
發佈日期12/2023
研究名稱Financial Literacy and Investment Behaviour of Tertiary Students in Hong Kong
調查、委託機構MWYO
抽樣方法Non-random sampling
調查方法Online survey
訪問對象Students studying in tertiary educational institutions in Hong Kong
樣本數量1682
主要數字、結果撮要~ The average financial literacy score of the students surveyed is 12.7 out of 21.
~ 5.7% of students surveyed feeling that they already have enough knowledge about the product. The products students are most interested in learning more about are stocks, funds, and bonds (72.4%, 65.8%, and 62.0% of students surveyed want to learn more about these products respectively).
~ 27.1% of the students currently hold an investment financial product. The average number of investment product these student investors hold is 1.5. Of the students that do not hold an investment product, a lack of investment knowledge is the most commonly cited reason (64.1%), followed by a lack of money (56.7%).
~ Student investors have limited loss-absorption capacity, with 47.7% able to withstand a decrease in portfolio value of less than 10%.
~ Student investors rely on their own judgement when making investment decisions. They most commonly rely on their own analysis (69.0%), financial news (59.6%) and advice from friends and family (43.7%) when making investment decisions.
有關建議~ Increase regulation on the provision of investment advice on social media platforms.
~ Tertiary educational institutions should provide more financial literacy training.
~ Launch a Youth Bond only available to young people.
~ Raise age limit for access to credit facilities.
資料來源研究報告
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