金融素养培育的实践源流与制度因应

The Practical Origin and Institutional Response of Financial Literacy Cultivation

消费者金融素养的普遍缺失使学界开始思考金融素养培育的制度必要性。从源流来看,金融素养培育得益于后危机时代全球金融消费者保护浪潮的盛行,并在制度演化中愈发彰显独立性价值。伴随制度实践的深入,金融素养被视为金融市场深化发展的基础设施,并逐渐纳入主流国家金融监管体系。政府间国际组织、专业性国际机构以及私营部门的广泛参与,为金融素养培育的制度实践提供丰富的政策建议与资源保障。从初期零散的智识性倡导,到中期协同的战略性推进,再到近期系统的针对性提升,金融素养培育已经成为金融全球化视域中不可忽视的制度环节。立足协同性与实效性的制度节点,厘清主体权责、强化公私协同、明确优先事项,有效缓和因成本与收益不可控引发的有效性质疑,是金融素养培育国际探索的有益经验。面对金融监管国际合作的发展趋势,我国政府应从消费者金融素养实际水平出发,逐步提高金融素养培育的政策优先级。

The general lack of consumer financial literacy has led academics to consider the institutional necessity of financial literacy cultivation.From the origin,financial literacy cultivation has benefited from the prevalence of a global wave of financial consumer protection in the post-crisis era,and the value of independence has become increas-ingly evident in the institutional evolution.Along with the deepening of institutional practices,financial literacy is re-garded as an infrastructure for the deepening development of financial markets and is gradually integrated into main-stream national financial regulatory systems.The extensive participation of intergovernmental international organiza-tions,professional international institutions,and the private sector provides a wealth of policy advice and resources for the institutional practice of financial literacy cultivation.From the initial scattered intellectual advocacy,to the me-diumterm concerted strategic promotion,to the recent systematic targeted enhancement,financial literacy cultivation has become an institutional link that cannot be ignored in the context of financial globalization.Based on the institution-al nodes of synergy and effectiveness,clarifying the rights and responsibilities of subjects,strengthening public-pri-vate collaboration,and specifying priorities,effectively alleviating the doubts about effectiveness caused by uncon-trollable costs and benefits,is the useful experience of international exploration of financial literacy cultivation.In the face of the development trend of international cooperation in financial regulation,Chinese government should gradual-ly raise the policy priority of financial literacy cultivation from the actual level of consumer financial literacy.