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推进金融知识纳入国民教育体系迫在眉睫
2017-08-16 06:17:26 中国青年网
本报记者邵海峰
最近,中国人民银行发布《消费者金融素养调查分析报告》(2017),数据显示,全国消费者金融素养指数平均分为63.71,在发达国家和发展中国家中,处于中等偏上水平。调查还发现,大部分人的理财素养存在问题。不久前,浦发银行大连分行也发布了关于大连消费者金融素养的调查问卷,问卷调研结果显示大连地区股份制商业银行消费者金融素养水平不高,并呈现出各类差异。
所谓金融素养,包括消费者的金融知识、态度、行为和技能,良好的金融素养有助于消费者作出适当的金融决策,降低系统性行为偏差,提高金融市场参与度并降低风险。如央行金融消费权益保护局相关人士所言,虽然目前消费者金融素养整体水平是中等偏上,但各类金融知识掌握程度的差异比较大,例如在贷款、投资、保险等方面的知识相对比较薄弱。我国金融素养不仅存在不同类别金融知识的差异,还存在着不同区域及城乡间的差异。
眼下,各类非法集资、电信诈骗与互联网金融风险已逐步显现,金融素养水平较低的消费者容易上当受骗,因此,提升消费者金融素养迫在眉睫。各有关部门和机构应尽快多做教育普及工作,起码在投资理财领域别让金融素养成为短板。
从长远看,要推进金融知识纳入国民教育体系,构筑常态化金融知识普及教育阵地,在最大层面上覆盖所有在校儿童和青少年。应对在校学生、边远地区贫困群体、劳务流动人口、妇女、残疾人等金融服务中的弱势群体制定相关倾斜政策,开展有针对性的金融消费者教育专项活动,帮助其提高对金融产品和服务的认知能力。
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