加密货币改变了金融格局，吸引了全球科技爱好者、投资者和监管机构。然而，随着数字资产的日益突出，关于金融素养和认知偏见在塑造投资行为中的作用的关键问题也随之出现。

经验证据强调，金融知识通过加强个人决策来显着影响金融稳定。财务知识较高的人会做出谨慎的选择，例如有效的预算、为紧急情况储蓄以及了解借贷成本。

Conversely, low financial literacy often leads Leads Leads or lead generation are an essential component of marketing and powerful tool by brokers. In its simplest form, leads can be defined as the outreach of customer interest or enquiry into products or services, most often associated with brokerages.These can be created for purposes such as list building, e-newsletter list acquisition, or for sales leads. Amongst marketers, such lists are one of their most important assets and instrumental to sales.There are a variety of methods for generating Leads or lead generation are an essential component of marketing and powerful tool by brokers. In its simplest form, leads can be defined as the outreach of customer interest or enquiry into products or services, most often associated with brokerages.These can be created for purposes such as list building, e-newsletter list acquisition, or for sales leads. Amongst marketers, such lists are one of their most important assets and instrumental to sales.There are a variety of methods for generating Read this Term to poor decisions, over-indebtedness, and susceptibility to distorted expectations, amplifying systemic risks.

了解加密货币风险需要金融知识

Why does financial literacy play a pivotal role in the cryptocurrency ecosystem? The inherent complexity of digital assets like cryptocurrencies necessitates accurate financial knowledge to navigate their risks. Understanding blockchain Blockchain Blockchain comprises a digital network of blocks with a comprehensive ledger of transactions made in a cryptocurrency such as Bitcoin or other altcoins.One of the signature features of blockchain is that it is maintained across more than one computer. The ledger can be public or private (permissioned). In this sense, blockchain is immune to the manipulation of data, making it not only open but verifiable. Because a blockchain is stored across a network of computers, it is very difficult to tamp Blockchain comprises a digital network of blocks with a comprehensive ledger of transactions made in a cryptocurrency such as Bitcoin or other altcoins.One of the signature features of blockchain is that it is maintained across more than one computer. The ledger can be public or private (permissioned). In this sense, blockchain is immune to the manipulation of data, making it not only open but verifiable. Because a blockchain is stored across a network of computers, it is very difficult to tamp Read this Term technology, digital wallets, and trading platforms—all critical components of cryptocurrency investment—requires a level of digital and financial literacy that many investors lack.

加密货币本身是多种多样的，从比特币和以太坊等知名品牌到投机性另类币。如果没有能力批判性地评估技术堆栈和市场趋势，投资者可能会成为投机泡沫或几乎没有内在价值的项目的牺牲品。

缺乏金融知识会加剧这些挑战，使人们难以理解市场波动的潜在后果，从而增加了对冲击的脆弱性。考虑到这些资产与传统金融工具相比的复杂性及其对金融稳定构成的风险，金融知识和加密货币所有权之间的联系尤其重要。

研究将过度自信与加密货币投资联系起来

最近由Santiago Carbó、Pedro J. Cuadros和Francisco Rodríguez在西班牙进行并由Funcas资助的一项研究《加密货币所有权和感知金融素养的认知偏见》揭示了这个问题。该研究调查了金融知识偏见（感知到的金融知识与实际金融知识之间的差距）如何影响加密货币所有权。

基于对2，000多名参与者的调查，该研究将金融素养偏见确定为加密货币所有权的关键决定因素，即使在控制了年龄、收入和数字活动等变量之后也是如此。

机器学习凸显加密货币所有权因素

该研究使用先进的机器学习技术表明，高估自己金融知识的个人投资加密货币的可能性明显更大。具体来说，与自我评估准确的人相比，那些高估自己金融知识的人持有数字资产的可能性高出75%。金融素养偏见每增加一个单位，拥有加密货币的可能性就会增加约4.37倍。