بررسی تأثیر جزم‌نگری مالی، اضطراب مالی و دانش مالی بر نگرش ریسک مالی و تأثیر آن بر رفتار مخرب مالی

نوع مقاله : مقاله پژوهشی

نویسندگان

گروه حسابداری، واحد کرمان، دانشگاه آزاد اسلامی، کرمان، ایران.

چکیده

هدف: بررسی جزم‌نگری مالی، اضطراب مالی و دانش مالی بر نگرش ریسک مالی و تأثیر آن بر رفتار مخرب مالی.
 روش: ۴۵۰ پرسشنامه بین سرمایه‌گذاران در بورس اوراق بهادار تهران توزیع گردید. از میان ۴۳۰ مورد جمع‌آوری‌شده، ۳۹۸ از آنها پذیرفته و از روش معادلات ساختاری (SEM) و نرم‌افزار آماری آموس نسخه 26 برای تحلیل داده‌ها استفاده شد. همچنین برای برآورد مقدار پارامترهای ناشناخته از روش تخمین حداکثر درست نمایی (MLE) استفاده شد.
 یافته‌ها: نتایج حاکی از آن است که جزم‌نگری مالی بر نگرش ریسک مالی تأثیر منفی و معناداری دارد. همچنین اضطراب مالی و دانش مالی تواماً، بر نگرش ریسک مالی تأثیر مثبت و معناداری دارند. علاوه بر آن نگرش ریسک مالی بر رفتار مخرب مالی تأثیر مثبت و معناداری دارد.
 نتیجه‌گیری: با توجه به تأثیر جزم‌نگری مالی، دانش مالی و اضطراب مالی بر نگرش ریسک مالی و نگرش ریسک مالی بر رفتار مخرب مالی، شایسته است مدیران بازار سرمایه، روان درمانان مالی ومحققان علوم مالی بیش از پیش نسبت به بهبود سلامت روان مالی جامعه به وسیله کاهش اضطراب مالی، توسعه دانش مالی اشخاص با هدف بهبود جامعه پذیری مالی وکاهش جزم‌نگری مالی از طرق مقتضی ساعی باشند، چرا که در صورت بروز گسترده‌تر رفتارهای مخرب مالی، به‌صورت ساختارمند شاهد تهدید سلامت و امنیت روانی مالی جامعه و کاهش شدید سطح رضایتمندی سرمایه‌گذاران فراهم خواهیم بود.

کلیدواژه‌ها

موضوعات

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  • تاریخ دریافت: 09 اسفند 1401
  • تاریخ بازنگری: 07 مرداد 1402
  • تاریخ پذیرش: 29 مرداد 1402

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