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治理“美容贷”,更应关注财商教育

2017-08-24 07:21:28   央广网

美容咨询十分钟,贷款3.5万元,反悔却要扣1万元违约金;拿身份证拍个照、签个字,不仅免费做美容还能拿小费,最终却发现欠下6万元“巨款”……日前,新华社记者调查发现,随着暑期学生整形热度不减,各类以美容为旗号的消费纠纷、诈骗案件也大幅上升。

“美容贷”看似新鲜,其实相当眼熟,隔三差五出炉的案例就像树上开的花、结的果,一茬又一茬,记性好的人总能闻出熟悉的味道。近年来,关于学生“莫名”背上巨债的消息层出不穷,从“校园贷”到“培训贷”“美容贷”,瞄准大学生群体的贷款陷阱花样翻新,套路越来越深;而大学新生们作为“猎物”,常常被冠以涉世未深、稚嫩的标签,俨然已经成了“唐僧肉”,谁都想来上一口。

对此,监管不可缺位,警示必不可少,而除此之外,一些大学生财商“余额不足”的软肋也值得深思。翻翻新闻报道,有大学生嫌弃生活费不够,“怒怼”母亲;如今开学在即,“开学经济”里到处都有年轻人出手阔绰的身影;尤其近年学生群体还频频成为被骗案件的主角,后果令人叹息……这一面面“镜子”都指向了大学生的财商,让财商教育显得重要而紧迫。

财商,一般被解释为“认知、管理和创造财富的能力”。其实说通俗点,就是一个人如何与金钱打交道。当年一本《富爸爸,穷爸爸》轰动世界,让财商概念为人熟知;如今它早已圈粉无数,甚至已经被网友封为继智商、情商之后最重要的“生存技能”。

大学生的财商究竟如何?按媒体的说法——“让人心疼”。去年一份《2016大学生消费理财观调查》显示,大学生有强烈的理财愿望,炒股、买基金的热情几乎可以“碾压”70后、80后;不过另有调查显示,大学生群体的防骗能力平均得分仅为69分!一些大学生理财热情高,可惜风险甄别能力不足,连“利率高、风险低”的理财产品都不加怀疑,连“零抵押、零担保、低利息”的“馅饼”都轻易相信,还有不少人热衷提前消费,花钱大手大脚,貌似潇洒大方,其实都是财商不足的表现。

怎么办?学校可以“补课”。在这方面,国外一些做法或许值得借鉴。比如美国、英国、澳大利亚、新加坡等国家已经制定了财商教育计划,并列入学校的必修课。其中美国强制把理财加入中小学课程体系;英国在中小学教材中添加了相关内容,并列入考试范围……可以说,在传统的知识、智商教育之外,财商、情商教育的普及已经是大势所趋。目前国内也有不少尝试,比如此前广州一些中学就开展了《金融与理财》课程试点,赢得一片叫好。

当然了,让财商教育走进青少年课堂,还需要一个接纳、适应的过程。因此可以考虑先从大学开始,通过普及选修课、公开课等,为大学生尤其新生们的“钱包”问题答疑解惑;如果步子再大一点,其实可以把财商课纳入必修课程,作为大学通识教育的重要组成部分。

此外,家长也要“助攻”。说起钱,现在很多家长在孩子面前“不差钱”,也几乎不和孩子谈钱,他们把自己定位成“提款机”,对孩子的需求尽量满足;当然也有一些家长会自发地“引导”,但他们所灌输的知识可能仅仅是节俭、“钱来之不易”之类的说教,相比财商教育还相差甚远。理财、财商只是大人的事吗?不是。家长不妨更多地言传身教、适当引导,至少教会孩子取之有道、用之有节,提醒日常消费的各种陷阱,甚至鼓励他们多多进行相关学习,自觉提高财商……

《棋经》上说,“宁输数子,勿失一先”。财商高低影响深远,最应该下好“先手棋”,及早抓起;如果漠视、回避,只怕会给孩子留下成长的短板,甚至徒留后患。

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