Tác động của dân trí về tài chính đến hành vi tiết kiệm cá nhân ở Việt Nam

của cả ngành ngân hàng, 
ngành giáo dục, đào tạo dạy 
nghề cùng với các ngành các 
cấp khác.
- Tăng cường sự phối hợp 
giữa ngành Ngân hàng 
(NHNN và cả ngân hàng 
thương mại hay tổ chức 
chuyên ngành khác) với ngành 
giáo dục và đào tạo (các 
trường). Hiện tại, chiến lược 
tài chính toàn diện dường 
như chưa có sự phối hợp giữa 
các ngành liên quan. Do đó 
cần cải thiện sự phối hợp này 
nhằm đưa nội dung về giáo 
dục tài chính vào chương trình 
giảng dạy ở các cấp bậc (như 
từ tiểu học, trung học cơ sở, 
trung học phổ thông) theo 
các mức độ phù hợp, bài bản 
và có hệ thống, đảm bảo hiệu 
quả và trên nguyên tắc lợi ích 
quốc gia.
- Tăng cường tuyên truyền về 
vai trò của giáo dục dân trí về 
tài chính cho mọi ngành, mọi 
cấp để đảm bảo có thể đưa vào 
và thực hiện có hiệu quả chiến 
lược quốc gia về giáo dục tài 
chính ở Việt Nam trong những 
năm tới. ■ 
 CHÍNH SÁCH & THỊ TRƯỜNG TÀI CHÍNH - TIỀN TỆ 
15Tạp chí Khoa học & Đào tạo Ngân hàng Số 204- Tháng 5. 2019
Tài liệu tham khảo
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Thông tin tác giả
Nguyễn Tường Vân, Tiến sĩ
Học viện Ngân hàng
Email: vannt@hvnh.edu.vn
Lê Văn Hinh, Thạc sĩ
Trường Bồi dưỡng cán bộ ngân hàng, Ngân hàng Nhà nước Việt Nam
Email: hinh.levan@sbv.gov.vn
Summary
The effects of financial literacy on saving behavior in Vietnam
The paper examines the impact of intellectuals on finance and other factors on personal saving behavior in 
Vietnam. The Binary Logistic regression have taken for 639 respondents of survey from different provinces in 
Vietnam; The results showed that financial literacy, major of high education, gender, marital status and attitudes 
together with social behavioral factors have significant effect on personal saving behavior. Other related social 
behavior factors have a positive (statistically significant) impact on personal saving behavior. The results suggest 
that there should be well-educated financial literacy, visionary education programs to improve people’s financial 
literacy for all strata, first to improve financial inclusion and while further improve domestic credit availability for 
Vietnam’s economy to grow sustainably.
Keywords: Financial literacy, financial inclusion, financial behavior, saving behavior. 
Van Tuong Nguyen, PhD.
Banking Academy of Vietnam
Hinh Van Le, MEc.
Banking Training School, State Bank of Vietnam