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1、外文翻译原文LiteratureReviewofTheImpactofPersonalFinanceEducationDeliveredinHighSchoolandCollegeCoursesMaterialSource:TheImpactofPersonalFinanceEducationDeliveredinHighSchoolandCollegeCourses,Issue(2007)28:265–284Author：Tzu-ChinMartinaPenandSuzanneBartholomewWhilemany
2、excellenteducationprogramsaredeliveredinawiderangeofsettings,fewevaluationstudiesarefollowedthroughtopublication.Inthecollegesetting,ChenandVolpe(1998)surveyed924studentsfrom13differentcampusestostudyfinancialliteracylevelsandfinancialdecisionmaking.Theauthorshi
3、ghlightedtheneedforpersonalfinanceeducationamongcollegestudentsbasedonthefailingmedianscoreonafinancialknowledgetestof55.56%.Educationalbackgroundmadeanimpactontheaveragefinancialknowledgescore,withbusinessmajors(vs.non-businessmajors)andstudentswithhigherclassr
4、ank(vs.lowerranks)scoringbetteronthetestoffinancialknowledge.Demographicdifferencesemergedwithrespecttotestscores,withmalesscoringhigherthanfemales,olderstudentsscoringhigherthanyoungerstudents,andstudentswithsixormoreyearsofworkexperiencescoringhigherthanthosew
5、ithnoworkexperience.Students’poorknowledgeofpersonalfinancialmanagementledtoincorrectandexpensivedecisionsintheareasofgeneralknowledge,savingsandborrowing,andinvestments.PerhapsthemostsignificantcontributionoftheChenandVolpe(1998)studywasthefindingthatfinanciald
6、ecisionswerehighlyinfluencedbyfinancialknowledge.Approximately89%ofstudentswithhigherlevelsoffinancialliteracymadegoodspendingdecisionsinahypotheticalsituation;whereas,only68%ofstudentswithlowerlevelsoffinancialknowledgemadethecorrectchoices.Thistenuouslinkbetwe
7、enknowledgeandbehaviorhasnotbeenwidelyconfirmedinthefinancialeducationliterature.Hayhoe,Leach,Turner,Bruin,andLawrence(2000)studiedgenderdifferencesincreditcardbehaviorandfinancialpracticesamongcollegestudents.Femalesusedsomefinancialpracticesmorethanmales,sucha
8、ssavingregularly,budgeting,andpayingbills.Nogenderdifferenceswerefoundforotherfinancialpractices,suchaspayinginterest,makingminimumpayments,andhowtheyfeltaboutmanagin
