使用来自上海市155个学校的1197名中学生参加PISA2012年数学素养测试的数据,探讨校外学习时间和数学素养对财经素养的影响作用,建构并验证一个中介效应模型。研究结果显示,学生的校外学习时间正向影响其财经素养水平,这一影响作用是通过学生的数学素养而达到的,即数学素养在校外学习时间与财经素养之间起完全中介效应。 A total of 1197 high school students from 155 schools in Shanghai participated in the 2012 PISA survey data to explore the impact of extracurricular time and math on financial literacy and to construct and validate a mediating effect model. The results show that students ’off-campus learning time positively affects their financial literacy level, which is achieved through the students’ mathematical literacy. That is to say, mathematical literacy plays a complete mediating role between time spent outside school and financial literacy.