财经素养教育何以变得更重要

Why Financial Literacy Education Becomes More Important?

本文从直接因素、间接因素、广义因素三个方面论述财经素养教育的重要性。研究认为,随着经济发展阶段的提高和产业结构转变,劳动力市场对于与财经相关的行业和职业的需求不断增加,并带动高等教育与此相关的专业需求增加;随着居民家庭收入的增加和就业方式的转变,居民更有能力获得非劳动收入,并面临更多的就业选择;随着知识经济时代的到来,人们面临更丰富的学习内容和多样化的学习方式,财经素养教育有利于学生思维和方法的改进从而提高学习效率,有利于居民生活方式和财富观念的改变从而提高人生幸福感。

This empirical study focuses on the importance of financial literacy education from three aspects, namely, direct impacts, indirect impacts, and general impacts. Firstly, with the rapid economic development and the change of the industry structure, the demand for the industry and vocation related to finance and economics in the labor market has increased significantly, resuhing in an increase of the demand for the major of finance and economics in higher education. Secondly, with the raise of households＇ income and the employment patterns, people have more ability to obtain unearned income and face more employment opportunities. Thirdly, in this era of knowledge economy, there are more education resources and more diverse modes of learning, the financial literacy education can both help improve the way of students thinking and efficiency of learning, and help improve the way of households living and the view of wealth, and thereby enhance happiness.