[1]马运全.金融教育有效性评估经验、框架及借鉴[J].金融教育研究,2017,(05):71-76.
　MA Yunquan.The Experience,Framework and Reference of the Validity Assessment of Financial Education[J].,2017,(05):71-76.
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金融教育有效性评估经验、框架及借鉴()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2017年05期
页码:
71-76
栏目:
出版日期:
2017-11-01

文章信息/Info

Title:
The Experience,Framework and Reference of the Validity Assessment of Financial Education
作者:
马运全
中国人民银行 阿克苏地区中心支行,新疆 阿克苏 843000
Author(s):
MA Yunquan
The Aksu Central Branch of the People’s Bank of China,Aksu,Xinjiang 843000, China
关键词:
金融教育;  金融知识;  金融行为;  金融消费决策;  评估体系
Keywords:
financial education;  financial knowledge;  financial behavior;  financial consumption decision-making;  evaluation system
分类号:
F832.2
文献标志码:
A
摘要:
金融教育是促进消费者有效和安全使用金融服务,增进消费者福利的有效手段。通过金融知识的传播和普及,可以改变受教育者的态度和行为,使其掌握一定技巧,正确评估自己的风险承受能力,选择合适的金融产品实现个人财富的保值增值。考察金融教育是否有效,需要一套科学的评估体系,并根据评估结果改进金融教育的方法。当前,金融行业尚未建立起普遍适用的权威性评估指标和体系。我国的金融教育从方式和手段上都需加以提升。应认真开展研究,加强顶层设计,建立有针对性的金融教育评估标准和反馈机制,开展针对性强的教育宣传活动,提升金融教育的有效
Abstract:
Financial education is an effective means to promote consumers’ effective and safe use of financial services and enhance consumer welfare.Through the spread and popularization of financial knowledge,it can change the attitude and behavior of the educated person,let them master the skills,then correctly assess their own risk tolerance,and choose the appropriate financial products to achieve personal wealth preservation and appreciation.Examining the effectiveness of financial education,it is necessary to establish a scientific assessment system,and improve the financial education based on the assessment results.At present,the financial industry has not yet to establish a universally applicable authoritative assessment indicators and systems.China’s financial education needs to be promoted from the way and means.We should carry out research seriously,strengthen the top design,establish targeted financial education evaluation criteria and feedback mechanism,carry out targeted education and publicity activities to enhance the effectiveness of financial education.

参考文献/References:

[1]杨岚,郭琳劼,王常亮.伯南克:金融扫盲月、金融素养与金融教育[J].西部金融,2011(6):16-18.
[2]姚文平.互联网金融——即将到来的新金融时代[M].北京:中信出版社,2014.
[3]Financial Literacy and Education Commission.Why and How: Background Report Developing the 2011 National Strategy[EB/OL].https://www.treasury.gov/resource-center/financial-education/Pages/commission-index.aspx,2017-04-15.
[4]OECD.Improving financial education effectiveness through behavioural economics:OECD Key findings and way forward[EB/OL].http://www1.oecd.org/daf/fin/financial-education/TrustFund2013_OECDImproving_Fin_Ed_effectiveness_through_Behavioural_Economics.pdf,2017-04-15.
[5]张丽.美国金融教育有效性评估及启示[N].金融时报,2014-04-14(12).
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[7]张轲.完善我国金融消费者教育体系的研究与思考[J].金融发展评论,2011(8):150-158.
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相似文献/References:

[1]崔静雯.金融知识及其对大学生金融保护意识的影响研究[J].金融教育研究,2016,(05):70.
　CUI Jingwen.Financial Knowledge and its Impact on the Financial Protection Consciousness among College Students[J].,2016,(05):70.
[2]施喜容,孟德锋.金融知识、风险承受能力与退休养老规划选择[J].金融教育研究,2018,(02):14.
　SHI Xirong,MENG Defeng.Financial Knowledge,Risk Tolerance and Retirement Plan Selection[J].,2018,(05):14.

备注/Memo

备注/Memo:
收稿日期:2017-04-23作者简介:马运全(1978-),男,山东枣庄人,经济学博士,高级经济师,主要从事金融管制方面的研究。
更新日期/Last Update: 1900-01-01