Financial literacy or "financial quotient" are all foreign words. The reason why "financial literacy" is used is because the word "literacy" can better reflect the content to be emphasized. The definition of "financial literacy" has great influence in the whole field. There are two definitions of organization. The first is the definition of the United Nations Organization for Economic Cooperation and Development (OECD): the knowledge and understanding of financial concepts and risks, as well as the skills, motivation and confidence to use these knowledge and understanding. So that individuals can make effective decisions under various financial conditions, improve the economic interests of individuals and society and participate in economic life. The other is the definition of a very influential non-profit organization in the United States: using knowledge and technology to effectively manage personal financial resources and realize lifelong financial security. We compare these two definitions, although the wording is different, but the overall meaning is similar, which is divided into two levels: the first is the mastery and understanding of knowledge, that is, the accumulation of knowledge and skills, which is the foundation; The second level is the purpose and application. In other words, the application of knowledge and skills, as well as attitudes, motivations and values. We should emphasize the latter level. Financial literacy education originated in the United States more than 100 years ago, and it is a civic education. In civic education, part of it is that people should learn some financial knowledge in order to acquire the ability to adapt to society, survive and develop in society.
From 65438 to 0940, the United States began to implement economics education in primary and secondary schools and incorporated many contents of economics into the curriculum system. Later, personal financial literacy education appeared. From the perspective of knowledge system, personal finance literacy education has been formed by taking out the parts related to individuals in economics, finance and management.
The educational significance of financial knowledge;
Financial literacy education is of great significance to personal development, family happiness, social stability and even national security. Strengthening financial literacy education and cultivating socialist workers and citizens with basic financial knowledge and ability, wealth, morality and belief will help promote the all-round development of people and the social and economic development of our country.
It is of strategic and fundamental significance to win the tough battle against poverty put forward in the report of the 19th National Congress of the Communist Party of China and promote social equity. Therefore, it is necessary to attach importance to financial literacy education from the perspective of safeguarding national financial security and social development.
Due to the great differences in the degree of economic development in different parts of China, the understanding and attention to financial literacy education vary from place to place. Different schools carry out financial literacy education early or late, and the forms of financial literacy education are also different.
High school students have a certain understanding of financial literacy and financial literacy education. Nearly 90% students agree that financial literacy education is a kind of life education, ideological education and emotional education based on financial knowledge, financial management skills, wealth management and life beliefs.
Financial literacy education includes financial education, financial quotient education and consumer education. Respondents generally believe that it is necessary to carry out financial literacy education in schools. Many schools have carried out a variety of financial literacy education practice activities by offering elective courses, extracurricular activities, community activities, social practice and other forms, and students' participation enthusiasm is generally high.