Financial resilience in Mexican college students

Financial resilience is a phenomenon of increasing academic interest. There has been significant progress in research literature, where various impacts are measured, ranging from knowledge, behavior, and culture to financial skills. This study contributes evidence of how students perceive financial resilience based on their perception, lived experiences, and actions taken to confront any recent adverse financial situation they may have encountered. Mexican college students from both public and private universities (N=256) responded to a survey based on the by Flores et al. (2024), developed from the financial health indicators proposed by the Center for Education and Financial Capabilities of BBVA (2020) in line with the Center for Financial Services Innovation (CFSI). Findings reveal a three-factor model explaining perception towards financial health indicators, with lived experiences and resilient actions taken when facing adverse financial situations. The three-dimensional model is not fully supported, as indicators that do not favor the final model due to low factorial loads are excluded. Responses are in Spanish.

金融韧性（Financial resilience）是一个愈发受到学术界关注的研究议题。现有研究文献已取得显著进展，相关研究围绕知识、行为、文化乃至金融技能等维度对各类影响因素开展量化测度。本研究基于学生的主观认知、亲身体验以及为应对近期可能遭遇的各类财务困境所采取的行动，为学生对金融韧性的感知情况提供了实证证据。
本研究的调研对象为来自墨西哥公立与私立高校的大学生（有效样本量N=256），调研问卷基于Flores等人（2024）开发的工具制定，该工具的编制依托BBVA教育与金融能力中心（Center for Education and Financial Capabilities of BBVA，2020）提出的金融健康指标，并符合美国金融服务创新中心（Center for Financial Services Innovation, CFSI）的相关标准。
研究结果揭示了一个可解释学生对金融健康指标感知情况的三因子模型，该模型涵盖学生的亲身体验与应对财务困境时采取的韧性行动。但该三维模型并未得到完全验证，部分因因子载荷（factorial loads）过低而对最终模型拟合无贡献的指标已被剔除。本次调研的所有问卷应答均采用西班牙语完成。