調查:女性比男性更會理財

When it comes to money, women really are more responsible than men, with an international survey finding that they're less likely to get into debt and strive harder to become financially independent.

The global Reuters Synovate survey polled some 4,500 women in 12 countries about money matters. An equal number of men were also asked several questions related to finances.

The survey showed that just over half respondents of both genders said women are more responsible with money than men, with the highest level of agreement found in Mexico, where 72 percent of people believed women were better at handling finances.

And although more than 40 percent of women use part of their monthly income to pay off credit cards, some 70 percent of female respondents also said that having more than one credit card could lead to financial debt, revealing women's higher awareness.

"It's obviously not the card itself that causes anyone to use it. So the statement is really about control and temptation," said Claire Braverman, international market research firm Synovate's senior vice president of Financial Services in the United States.

"The ability to spend more, that you don't have in the first place, can certainly lead to debt. It means people have to control themselves and their spouses," she added.

More women believed in their financial ability than men, with 61 percent saying they were more responsible, while only 40 percent of men agreed.

But nearly half the women surveyed also conceded that they were bigger spenders than their male counterparts, with nearly 60 percent of men agreeing.

The survey was conducted in December in Australia, Brazil, Bulgaria, Canada, France, Indonesia, Malaysia, Mexico, the Netherlands, South Africa, Britain, and the United States.

說到錢的問題，女性的確比男性更負責任。一項全球調查發現，與男性相比，女性更不容易陷入債務，而且更努力地爭取經濟獨立。

這項由“路透思緯”開展的全球理財民調有來自12個國家的近4500名女性和相同人數的男性參加。

調查結果顯示，無論是男性受訪者，還是女性受訪者，均有略超過一半的人認爲女性在金錢問題上比男性更負責任。墨西哥受訪者對這個問題的認同度最高，有72%的受訪者認爲女性更善於理財。

儘管超過40%的女性用月收入的一部分償還信用卡，但同時約有70%的女性受訪者認爲持有一張以上的信用卡容易導致負債，這說明女性在這方面的意識較強。

思緯全球市場調查公司美國金融服務部高級副總監克萊爾•佈雷弗曼說：“顯然不是信用卡本身促使人們消費，這其實是一個剋制和誘惑的問題。”

她說：“過度消費、入不敷出必然會導致負債。這意味着人們必須剋制自己和配偶的消費慾望。”

在理財能力方面，女性比男性更自信。61%的女性受訪者稱自己在金錢方面更負責任，而僅有40%的男性有這樣的信心。

但近一半的受訪女性稱自己比配偶花錢多，近60%的男性這樣認爲。

這項調查於去年12月在澳大利亞、巴西、保加利亞、加拿大、法國、印度尼西亞、馬來西亞、墨西哥、荷蘭、南非、英國和美國開展。