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NOTICIA: La educación financiera y su impacto en la renta de los hogares españoles. - Nieves Mateos Asesores

El nivel de educación es un determinante fundamental del nivel de renta en los hogares españoles, tal y como se desprende de la última edición de la Encuesta Financiera de las Familias (EFF) correspondiente a 2020, publicada recientemente por el Banco de España.

En esta encuesta, se indica que tanto la renta media como la mediana aumentan con el nivel de educación, y son sustancialmente mayores para los hogares cuyo cabeza de familia posee estudios universitarios. Por ejemplo, observando el siguiente gráfico de la EFF, podemos ver como a una educación del cabeza de familia inferior a bachillerato corresponde una renta media de aproximadamente 28.600 euros, mientras que a una educación equivalente a estudios universitarios corresponde una renta media de aproximadamente 60.600 euros.

Para una información más detallada sobre la EFF, puede consultarse el nuevo sitio web que se encuentra disponible en el siguiente enlace: https://app.bde.es/efs_www/home?lang=ES.

A la vista de las conclusiones de la EFF, se observa que la educación juega un papel fundamental en el bienestar económico del conjunto de la sociedad pues, en general, a mayor nivel de estudios mayor nivel de renta. De hecho, el Banco de España ya ha reconocido la importancia de enseñar educación financiera al conjunto de la sociedad y, por ello, viene desarrollando diversas iniciativas de educación financiera en el ámbito de la propia institución, a través del Plan de Educación Financiera y en el contexto internacional. Estas iniciativas se han diseñado con el ánimo y el objetivo de incrementar y fortalecer el nivel de conocimientos de la población de nuestro país en cuestiones relacionadas con la materia financiera.

Entre ellas, conviene recordar la celebración del Día de la Educación Financiera el pasado lunes 3 de octubre, una iniciativa promovida por Plan de Educación Financiera, en el que participan el Ministerio de Asuntos Económicos y Transformación Digital, el Banco de España, la Comisión Nacional del Mercado de Valores y asociaciones e instituciones de todos los sectores como colaboradoras. Esta celebración pretende concienciar a los ciudadanos sobre la importancia de la educación financiera para gestionar adecuadamente nuestras finanzas y, por tanto, nuestras vidas.

FUENTE: https://clientebancario.bde.es/pcb/es/blog/la-educacion-financiera-y-su-impacto-en-la-renta-de-los-hogares-espanoles.html

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