在消费信贷决策中的独立会计作用及财务能力【外文翻译】

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1、本科毕业论文外文翻译外文题目：Theroleofself-accountingandfinancialcapabilityinconsumercreditdecisions出处：DepartmentofEconomicsandQuantitativeMethods—SEFEMEQ作者：FilottoUmberto,NicoliniGianni原文：Theroleofself-accountingandfinancialcapabilityinconsumercreditdecisionAbstractTheroleoffin

2、ancialcapabilityintheconsumers’financialbehaviourhasbeenwidelyanalyzedbytheliteratare．Thesamehappenedfortherelationshipbetweendebtandfinancialcapability，Theconsensusaboutthebenefitsofanincreaseinthelevelsoffinancialliteracycollideswithadiversityofopinionsonwhattheb

3、estsolutionstoincreasefinancialcapability．Whilemethodsbasedontraditionalteachingmaynotbeaneffectivesolutionsandtheycouldnotprovideresultsintheshortterm，solutionsorientedtosupportconsumersinimportantfinancialdecisions(requestsforfundingchoiceofretirementsolutions，et

4、c．)mayshowgreatereffectiveness·Studiesinliteraturehaveshownthetendencyofsubjectswithhighlevelsoffinancialcapabilitytoadoptalongtermviewandtoupgradetheirdailyfinancialbehaviourwithattitudesandpracticesrelatedtoself-finance(budget，financialcheck—up，savingforgoals，etc

5、．)ThepaperfocusesontherelationshipbetweenfinancialcaDabilityandself-accountingpractices，interpretingthelatterasevidenceofconductfinanciallyaware．Afterareviewoftheliteraturedesignedtoemphasizetheroleofself-accountinginthecontextofpersonalfinance，afinancialcheck．upba

6、sedtoolisproposed，pointingouthowthefinancialaccounts’schemesandlogics(regularbudget，estimatesandforecastscheckingtargets)mayfindusefulapplicationinthecontextofpersonalfinanceIntroductionTherelevanceoffinancialcapabilityisdeterminedbytheevolutionofthemarketandbythee

7、verincreasingdegreeoffinancialinnovation．Theincreaseinthenumberofproductsandservicesandtheirarticulationinavariety0fcustomizedsolutionshavesimultaneouslyexpandedtherangeofpossibleoptionsbutalsothecomplexityofcustomerchoices．Allagreethatincreaseinthenumberofavailabl

8、efinancialsolutionsturnsintoamarketimprovementonlyifthecustometisabletoevaluatethedistinguishingcharacteristicsofeachone，thusrecognizingthatmosts