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Abstract：
The ability to manage financial affairs is a life skill of critical importance, and neuropsychologists are increasingly asked to assess financial capacity across a variety of settings. Sound clinical assessment of financial capacity requires knowledge and appreciation of applicable clinical conceptual models and principles. However, the literature has presented relatively little conceptual guidance for clinicians concerning financial capacity and its assessment. This article seeks to address this gap. The article presents six clinical models of financial capacity : (1) the early gerontological IADL model of Lawton, (2) the clinical skills model and (3) related cognitive psychological model developed by Marson and colleagues, (4) a financial decision-making model adapting earlier decisional capacity work of Appelbaum and Grisso, (5) a person-centered model of financial decision-making developed by Lichtenberg and colleagues, and (6) a recent model of financial capacity in the real world developed through the Institute of Medicine. Accompanying presentation of the models is discussion of conceptual and practical perspectives they represent for clinician assessment. Based on the models, the article concludes by presenting a series of conceptually oriented guidelines for clinical assessment of financial capacity. In summary, sound assessment of financial capacity requires knowledge and appreciation of clinical conceptual models and principles. Awareness of such models, principles and guidelines will strengthen and advance clinical assessment of financial capacity.
摘要：
理财能力是一项至关重要的生活技能,越来越多的神经心理学家被要求评估各种环境的财务能力。对财务能力进行合理的临床评估需要了解和欣赏适用的临床概念模型和原则。然而,文献对临床医生关于财务能力及其评估的概念指导相对较少。本文旨在解决这一差距。本文提出了六种经济能力的临床模型:(1)劳顿早期老年学IADL模型,(2)Marson及其同事建立的临床技能模型和(3)相关认知心理模型,（4）适应Appelbaum和Grisso早期决策能力工作的财务决策模型，(5)Lichtenberg及其同事建立的以人为中心的财务决策模型,（6）通过医学研究所开发的现实世界中的最新财务能力模型。伴随模型的介绍是对它们代表临床医生评估的概念和实践观点的讨论。根据模型，本文最后提出了一系列以概念为导向的财务能力临床评估指南。总之,对财务能力的合理评估需要对临床概念模型和原则的了解和欣赏。对这些模型的认识，原则和指南将加强和推进对财务能力的临床评估。
