大学生财经素养教育研究

Research on Financial Literacy Education for College Students

“校园贷”以及其他各种套路贷能够得以生存,究其原因,还是因为财经素养教育的缺位。帮助大学生形成正确的劳动观、工作观、生活观、财富观,做好财经知识的普及,真实全面地了解金融产品,合理评估风险承受能力,提高决策水平,是财经素养教育的重要任务。因此,大学生财经素养教育不能以一个标准来开展,应根据学生实际情况实施分层分类教学。财经素养教育是以学生的可持续发展为核心理念,培养学生在个体财经生活中必备的财富观念与信念、财经知识和理财技能。

The absence of financial literacy education is the critical reason for the survival of the campus loans and other kinds of fraudulent loans.The important task of financial literacy education is to help college student construct rational concepts on labor,work,life and wealth,popularize financial knowledge,and truly and comprehensively understand financial products,so as to reasonably evaluate their risk tolerance and improve their decision-making ability.Therefore,financial literacy education for college students cannot be carried out with one standard,and hierarchical classification teaching should be implemented according to the actual situation of students.Taking students’sustainable development as the core coJ1ncept,and financial literacy education is to cultivate students’wealth concepts and beliefs,financial knowledge and financial skills necessary in their individual financial life.