Jing Jian Xiao

University of Rhode Island

Professor

Transition Center

Kingston, RI 02881

United States

http://www.uri.edu/hss/hdf/faculty/JingJXiao.htm

  • University of Rhode Island

    • Email
    • Tel: 401-874-2547
    • Fax: 401-874-4020
SCHOLARLY PAPERS

37

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Top 3,652

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20,724

TOTAL CITATIONS
Rank 14,417

SSRN RANKINGS

Top 14,417

in Total Papers Citations

74

Scholarly Papers (37)

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1.

The Financial Management Behavior Scale: Development and Validation

Journal of Financial Counseling and Planning, Vol. 22, No. 1, p. 43, 2011
Number of pages: 17 Posted: 16 May 2012
Jeffrey Dew and Jing Jian Xiao
Utah State University - College of Education and Human Services - Family Studies and University of Rhode Island
Downloads 4,727 (4,345)
Citation 3

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financial behavior, measurement, psychometrics

2.

Financial Literacy and Education Research Priorities

Journal of Financial Counseling and Planning, Vol. 20, No. 1, 2009
Number of pages: 12 Posted: 27 Feb 2013
Jane Schuchardt, Sherman D. Hanna, Tahira K. Hira, Angela Lyons, Lance Palmer and Jing Jian Xiao
National Institute of Food and Agriculture, Ohio State University (OSU), Iowa State University - Department of Human Development and Family Studies, University of Illinois at Urbana-Champaign, University of Georgia and University of Rhode Island
Downloads 2,758 (10,308)

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financial education, financial literacy, financial research priorities

3.

Financially Distressed Consumers: Their Financial Practices, Financial Well-Being, and Health

Journal of Financial Counseling and Planning, Vol. 16, No. 1, 2005
Number of pages: 15 Posted: 23 Apr 2013
Barbara O'Neill, Benoit Sorhaindo, Jing Jian Xiao and E. Thomas Garman
Rutgers University - Rutgers Cooperative Extension, InCharge Education Foundation, University of Rhode Island and Virginia Tech
Downloads 1,774 (20,853)

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Debt repayment, debt problems, financial counseling , financial distress, personal financial behavior , health and personal finances, financial problems

4.

Personal Finance: An Interdisciplinary Profession

Journal of Financial Counseling and Planning, Vol. 18, No. 1, 2007
Number of pages: 9 Posted: 06 Mar 2013
Jane Schuchardt, Dorothy Durband, William C. Bailey, Sharon A. Devaney, John E. Grable, Irene E. Leech, Jean M. Lown, Deanna L. Sharpe and Jing Jian Xiao
National Institute of Food and Agriculture, Texas Tech University - Department of Personal Financial Planning, University of Arkansas, Fayetteville - Department of Agricultural Economics & Agribusiness, Purdue University, Texas Tech University - College of Human Sciences, Virginia Polytechnic Institute & State University - College of Liberal Arts and Human Sciences - Department of Apparel, Housing, and Resource Management, Utah State University - Emma Eccles Jones College of Education and Human Services, University of Missouri at Columbia and University of Rhode Island
Downloads 1,762 (21,043)

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financial counseling, financial planning, household behavioral finance, interdisciplinary profession, personal finance

5.

Financial Literacy in Asia: A Scoping Review

Number of pages: 31 Posted: 27 Jan 2021
Jing Jian Xiao
University of Rhode Island
Downloads 1,672 (22,826)
Citation 5

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financial literacy, financial capability, financial wellbeing, Asia

6.

A Cross-Cultural Study in Risk Tolerance: Comparing Chinese and Americans

Number of pages: 30 Posted: 24 Oct 2006
Jessie X. Fan and Jing Jian Xiao
University of Utah and University of Rhode Island
Downloads 1,168 (38,763)
Citation 8

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risk tolerance, Cultural comparison, Chinese consumers, American consumers

7.

Financial Behaviors Before and After the Financial Crisis: Evidence from an Online Survey

Journal of Financial Counseling and Planning, Vol. 23, No. 1, 2012
Number of pages: 14 Posted: 20 Feb 2013
Barbara O'Neill and Jing Jian Xiao
Rutgers University - Rutgers Cooperative Extension and University of Rhode Island
Downloads 1,029 (46,677)

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financial behaviors, financial crisis, financial practices, online survey, recession

8.

Completing Debt Management Plans in Credit Counseling: An Application of the Theory of Planned Behavior

Journal of Financial Counseling and Planning, Vol. 19, No. 2, 2008
Number of pages: 17 Posted: 01 Mar 2013
Jing Jian Xiao and Gavin Wu
University of Rhode Island and Fayetteville State University
Downloads 582 (99,078)
Citation 2

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credit counseling, debt behavior, debt management plan, theory of planned behavior

9.

Financial Literacy Overconfidence and Financial Advice Seeking

Porto, N., & Xiao, J. J. (2016). Financial Literacy Overconfidence and Financial Advice Seeking. Journal of Financial Service Professionals, 70(4).
Number of pages: 11 Posted: 29 Mar 2022
Nilton Porto and Jing Jian Xiao
University of Rhode Island and University of Rhode Island
Downloads 571 (101,735)
Citation 5

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financial literacy, financial advice, overconfidence

10.

Financial Capability: A Conceptual Review, Extension, and Synthesis

Number of pages: 77 Posted: 04 Apr 2022 Last Revised: 05 Apr 2022
Jing Jian Xiao and Jin Huang
University of Rhode Island and Saint Louis University
Downloads 569 (101,969)
Citation 4

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financial access, financial behavior, financial capability, financial inclusion, financial knowledge, financial literacy, financial opportunity, financial wellbeing, literature review

11.

Financial Education, Financial Knowledge and Risky Credit Behavior of College Students

Networks Financial Institute Working Paper 2010-WP-05
Number of pages: 27 Posted: 15 Nov 2010
Jing Jian Xiao, Soyeon Shim and Joyce Serido
University of Rhode Island, University of Arizona - John and Doris Norton School of Family and Consumer Sciences and University of Arizona - John and Doris Norton School of Family and Consumer Sciences
Downloads 569 (101,969)
Citation 4

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financial education, financial literacy, financial behavior, young adult, consumer credit

12.

Developing Action-Taking Programs in Sustainable Consumption Education: Applying the Transtheoretical Model of Behavior Change (TTM)

Number of pages: 16 Posted: 07 Mar 2019
Jing Jian Xiao
University of Rhode Island
Downloads 531 (111,075)
Citation 2

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sustainable consumer behavior, sustainable consumption, transtheoretical model of behavior change (TTM)

13.

Present Bias and Financial Behavior

Downloads 425 (145,833)
Citation 7

Present Bias and Financial Behavior

2019 Academic Research Colloquium for Financial Planning and Related Disciplines
Number of pages: 30 Posted: 06 Nov 2019
Jing Jian Xiao and Nilton Porto
University of Rhode Island and University of Rhode Island
Downloads 425 (144,312)
Citation 7

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present bias, self control, behavioral finance, financial behavior

Present Bias and Financial Behavior

Financial Planning Review, Vol. 2, Issue 2, June 2019
Posted: 12 Nov 2019
Jing Jian Xiao and Nilton Porto
University of Rhode Island and University of Rhode Island

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14.

Applying the Theory of Planned Behavior to Retain Credit Counseling Clients

Number of pages: 18 Posted: 24 Oct 2006
Jing Jian Xiao and Gavin Wu
University of Rhode Island and Fayetteville State University
Downloads 391 (159,552)
Citation 4

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credit counseling, debt management plan, theory of planned behavior

15.

Consumer Financial Education and Financial Capability

International Journal of Consumer Studies, Forthcoming
Number of pages: 32 Posted: 26 Apr 2016
Jing Jian Xiao and Barbara O'Neill
University of Rhode Island and Rutgers University - Rutgers Cooperative Extension
Downloads 381 (164,741)
Citation 8

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financial behavior, financial capability, financial education, financial literacy, U.S. National Financial Capability Study

16.

Financial Independence of Emerging Adult College Students

Number of pages: 27 Posted: 15 Apr 2024
Jing Jian Xiao and Nilton Porto
University of Rhode Island and University of Rhode Island
Downloads 274 (233,763)

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college students, financial education, financial independence, personal finance

17.

Encouraging Behavior Change in Credit Counseling: An Application of the Transtheoretical Model of Change (Ttm)

Number of pages: 8 Posted: 24 Oct 2006 Last Revised: 30 Nov 2020
Jing Jian Xiao and Gavin Wu
University of Rhode Island and Fayetteville State University
Downloads 251 (255,570)
Citation 2

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behavior change, transtheoretical model of change, credit counseling

18.

Financial Capability of Student Loan Holders: Comparing College Graduates, Dropouts, and Enrollees

Number of pages: 30 Posted: 07 Feb 2019
Jing Jian Xiao, Nilton Porto and irene mcivor mason
University of Rhode Island, University of Rhode Island and affiliation not provided to SSRN
Downloads 247 (259,601)
Citation 1

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financial behavior, financial capability, financial literacy, financial well being, student loans

19.

Consumer Debt Delinquency Over Life Cycle Stages

Networks Financial Institute Working Paper No. 2011-WP-18
Number of pages: 32 Posted: 02 Aug 2011
Jing Jian Xiao and Rui Yao
University of Rhode Island and University of Missouri at Columbia - Department of Personal Finance Planning
Downloads 217 (294,215)
Citation 3

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Consumer debt, debt delinquency, life cycle behavior, Survey of Consumer Finance

20.

Debt Holding and Subjective Wellbeing: Borrowing Source and Income As Moderators

Number of pages: 33 Posted: 29 Sep 2019
Jing Jian Xiao, Shu Zhang and Feng Li
University of Rhode Island, Remin University of China and Remin University of China
Downloads 165 (377,568)
Citation 1

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debt, subjective wellbeing, credit access, income

21.

Good Debt, Bad Debt: Family Debt Portfolios and Financial Burdens

Downloads 154 (402,587)
Citation 1

Good Debt, Bad Debt: Family Debt Portfolios and Financial Burdens

Xiao, J.J. and Yao, R. (2022), "Good debt, bad debt: family debt portfolios and financial burdens", International Journal of Bank Marketing, Vol. 40 No. 4, pp. 659-678. https://doi.org/10.1108/IJBM-06-2021-0243
Number of pages: 37 Posted: 19 May 2022
Jing Jian Xiao and Rui Yao
University of Rhode Island and University of Missouri at Columbia - Department of Personal Finance Planning
Downloads 154 (402,723)
Citation 1

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Good Debt, Bad Debt: Family Debt Portfolios and Financial Burdens

Posted: 22 Feb 2023
Rui Yao and Jing Jian Xiao
University of Missouri at Columbia - Department of Personal Finance Planning and University of Rhode Island

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Bankruptcy, Behaviour, Borrowing, Consumer Credit, Debts, Personal finance

22.

Debt Holding and Burden by Family Structure in 1989-2007

Networks Financial Institute Working Paper 2011-WP-04
Number of pages: 30 Posted: 31 Mar 2011
Jing Jian Xiao and Rui Yao
University of Rhode Island and University of Missouri at Columbia - Department of Personal Finance Planning
Downloads 139 (434,811)
Citation 4

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Debt holding, debt trend, debt type, family structure, Survey of Consumer Finance

23.

Career Preparations of High School Students in China, Japan, South Korea, and USA

Number of pages: 13 Posted: 06 Apr 2014
Jing Jian Xiao and Barbara Newman
University of Rhode Island and University of Rhode Island
Downloads 102 (550,417)
Citation 1

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career development, high school students, adolescence, China, Japan, Korea, USA

24.

Debt Types and Burdens by Family Structures

Xiao, J.J. and Yao, R. (2020), "Debt types and burdens by family structures", International Journal of Bank Marketing, Vol. 38 No. 4, pp. 867-888. https://doi.org/10.1108/IJBM-07-2019-0262 Available at: https://doi.org/10.1108/IJBM-07-2019-0262
Number of pages: 37 Posted: 12 May 2021
Jing Jian Xiao and Rui Yao
University of Rhode Island and University of Missouri at Columbia - Department of Personal Finance Planning
Downloads 59 (750,750)
Citation 1

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debt, debt burden, family structure, Survey of Consumer Finance

25.

Three Decades of the Journal of Financial Counseling and Planning

Downloads 50 (811,201)

Three Decades of the Journal of Financial Counseling and Planning

Xiao, J. J., Lavigueur, B., Izenstark, A., Hanna, S. D., & Lawrence, F. C. (2020). Three decades of the journal of financial counseling and planning. Financial Counseling and Planning, 31(1), 5-13. doi:10.1891/JFCP-20-00010
Number of pages: 9 Posted: 27 Jan 2022
Jing Jian Xiao, Beatrix Lavigueur, Amanda Izenstark, Sherman D. Hanna and Frances C. Lawrence
University of Rhode Island, University of Rhode Island - College of Human Science & Services, University Libraries, University of Rhode Island, Ohio State University (OSU) and Department of Personal Financial Planning
Downloads 50 (829,607)

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content analysis, financial counseling, financial education, financial planning, financial well-being, journal review

Three Decades of the Journal of Financial Counseling and Planning

Xiao, J. J., Lavigueur, B., Izenstark, A., Hanna, S., & Lawrence, F. C., Three Decades of the Journal of Financial Counseling and Planning. Journal of Financial Counseling and Planning, 2020
Posted: 07 May 2020
Jing Jian Xiao, Beatrix Lavigueur, Sherman D. Hanna, Frances C. Lawrence and Amanda Izenstark
University of Rhode Island, University of Rhode Island - College of Human Science & Services, Ohio State University (OSU), Department of Personal Financial Planning and University Libraries, University of Rhode Island

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Content Analysis, Financial Counseling, Financial Education, Financial Planning, Financial Wellbeing, Journal Review

26.

Disability Type, Financial Capability, and Risky Asset Holding

Number of pages: 14 Posted: 30 Nov 2018
Jing Jian Xiao and Barbara O'Neill
University of Rhode Island and Rutgers University - Rutgers Cooperative Extension
Downloads 47 (833,747)

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Disability, Financial Capability, National Financial Capability Study, Risky Asset Holding

27.

Consumer Debt Delinquency by Family Lifecycle Categories

Xiao, J. J., Yao, R.(2014). Consumer debt delinquency by family lifecycle categories. International Journal of Bank Marketing, 32(1), 43-59.
Number of pages: 31 Posted: 03 Mar 2016
Jing Jian Xiao and Rui Yao
University of Rhode Island and University of Missouri at Columbia - Department of Personal Finance Planning
Downloads 45 (849,498)
Citation 5

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Consumer behavior, Borrowing, Debt delinquency, Family lifecycle, Consumer credit, Survey of consumer finances

28.

Financial Capability and Informal Bankruptcy: Comparing Student Loan Holders and Non-Holders

Downloads 38 (909,686)

Financial Capability and Informal Bankruptcy: Comparing Student Loan Holders and Non-Holders

Yao, R. and Xiao, J.J. (2022), "Financial capability and informal bankruptcy: comparing student loan holders and non-holders", International Journal of Bank Marketing, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/IJBM-05-2022-0207
Number of pages: 34 Posted: 18 Oct 2022
Rui Yao and Jing Jian Xiao
University of Missouri at Columbia - Department of Personal Finance Planning and University of Rhode Island
Downloads 38 (933,477)

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Bankruptcy, debt delinquency, financial capability, insolvency, informal bankruptcy, student loan

29.

Effects of Age on Saving Motives of Chinese Urban Consumers

Yao, R., Xiao, J. J., & Liao, L. (2014). Effects of age on saving motives of Chinese urban consumers. Journal of Family and Economic Issues, 36(2), 224-238.
Number of pages: 39 Posted: 02 Mar 2016
Rui Yao, Jing Jian Xiao and Li Liao
University of Missouri at Columbia - Department of Personal Finance Planning, University of Rhode Island and Tsinghua University
Downloads 27 (1,021,537)
Citation 3

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China, mediation analysis, saving motive, saving rate

30.

Financial Education and Financial Satisfaction: Financial Literacy, Behavior, and Capability as Mediators

Posted: 26 Apr 2016
Jing Jian Xiao and Nilton Porto
University of Rhode Island and University of Rhode Island

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financial education, financial literacy, financial behavior, financial capability, financial wellbeing, financial satisfaction

31.

Chapter 9: Money and Happiness: Implications for Investor Behavior

Investor Behavior: The Psychology of Financial Planning and Investing. H. Kent Baker and Victor Ricciardi, editors, 153-169, Hoboken, NJ: John Wiley & Sons, Inc. , 2014.
Posted: 30 May 2014
Jing Jian Xiao
University of Rhode Island

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Financial well-being, income, subjective well-being, happiness, behavioral finance, financial psychology, behavioural finance, behavioral economics, behavioural economics

32.

Perceived Saving Motives and Hierarchical Financial Needs

Posted: 05 May 2000
Jing Jian Xiao and Franziska E. Noring
University of Rhode Island and University of Rhode Island

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33.

Perceived Adequacy of Retirement Income

FINANCIAL COUNSELING AND PLANNING, Vol. 6, 1995
Posted: 09 Jul 1998
Y. Lakshmi Malroutu and Jing Jian Xiao
City University of New York (CUNY) - Consumer Studies and University of Rhode Island

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34.

Saving Motives and 401(K) Contributions

Posted: 15 Jun 1998
Jing Jian Xiao
University of Rhode Island

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35.

Patterns of Household Financial Asset Ownership

FINANCIAL COUNSELING AND PLANNING, Vol. 6, 1995
Posted: 17 May 1998
Jing Jian Xiao
University of Rhode Island

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36.

Effects of Family Income and Life Cycle Stages on Financial Asset Ownership

FINANCIAL COUNSELING AND PLANNING
Posted: 16 Apr 1997
Jing Jian Xiao
University of Rhode Island

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37.

Determinants of Family Bond and Stock Holdings

FINANCIAL COUNSELING AND PLANNING, Vol. 6, 1995
Posted: 07 Feb 1996
Lucy X. Zhong and Jing Jian Xiao
Nations Bank Card Services and University of Rhode Island

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Other Papers (1)

Total Downloads: 37
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1.

Promoting Consumer Financial Capability and Well-Being Through Education and Research

Downloads 37

Promoting Consumer Financial Capability and Well-Being Through Education and Research

Journal of Financial Counseling and Planning, Vol. 25, No. 1, 2014
Number of pages: 2 Posted: 26 Apr 2016
Jing Jian Xiao
University of Rhode Island
Downloads 25

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financial literacy, financial capability, financial wellbeing

Promoting Consumer Financial Capability and Well-Being Through Education and Research

Journal of Financial Counseling and Planning, Vol. 25, No. 1, 2014
Number of pages: 2 Posted: 18 Jul 2014
Jing Jian Xiao
University of Rhode Island
Downloads 12

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