Capacitación e comportamento financeiro da xeración millennial en España
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A capacitación ou competencia financeira dos individuos, resultado da combinación da súa cultura financeira e da oportunidade de acceder aos produtos financeiros, supón un reto nas sociedades actuais e, particularmente, para certos colectivos de poboación como a xeración millennial. Por esta razón, é importante coñecer a competencia financeira dos millennials e constatar se existen diferenzas con respecto ás xeracións predecesoras. Tras a revisión da literatura, a análise empírica baséase nunha mostra de datos extraída da Enquisa de Competencias Financeiras (ECF). A mostra está conformada por unhas 6.852 persoas non xubiladas menores de 65 anos, das cales aproximadamente un 34% son millennials, e sobre elas aplicaranse senllas análises estatístico-descritivas e econométricas. A evidencia empírica suxire que a capacidade financeira dos individuos está máis condicionada pola súa cultura financeira que polas súas oportunidades de acceso a produtos financeiros. Con todo, a inclusión financeira relaciónase en maior medida cos comportamentos financeiros dos enquisados. Esta relación é clara, con independencia da cohorte xeracional analizada, no atraso en pagos, no mantemento de fondos de emerxencia e no horizonte de planificación financeira. Tamén se detecta que a relación que manteñen algúns comportamentos coa capacitación financeira é máis similar entre os millennials adultos e os non millennials, que cando se compara aos primeiros cos seus conxéneres. Esta investigación contribúe á literatura financeira existente a través da análise da competencia financeira da xeración millennial en España e de como esta inflúe no seu comportamento financeiro. Neste sentido, o traballo achega evidencias empíricas a un campo de estudo no que apenas existen investigacións que vaian máis aló das análises centradas en contextos anglosaxóns.
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