共同富裕目标下我国金融教育发展的思考

Thinking about the Development of Our Financial Education under the Goal of Common Prosperity

金融是现代经济的核心和实体经济的血脉,深入开展金融教育,有利于维护金融市场稳定、保障金融消费者权益、提升居民金融素养,充分发挥金融在推动高质量发展,实现社会主义现代化中的积极作用。但在新时代共同富裕的战略目标下,我国金融教育却掣肘于系统性不足、针对性欠缺、不平衡性凸显等现实问题,导致成效甚微。从价值意蕴和问题处置出发,应着力加强顶层设计,完善金融教育国家战略;积极探索具体实践举措,创新金融教育内容和渠道;注重提升全体国民金融素养,强化金融教育弱势群体培育。

Finance is the core of modern economy and the lifeblood of the real economy.In-depth financial education is conducive to maintaining the stability of the financial market,protecting the rights and interests of financial consumers,improving residents’financial literacy,and giving full play to the positive role of finance in promoting high-quality development and realizing socialist modernization.However,under the strategic goal of common prosperity in the new era,the development of Chinese financial education has been hampered by the practical problems of systematic deficiency,lack of pertinence and prominent imbalance,resulting in little effect of financial education.Starting from the value implication and problem disposal,our country should try to strengthen the top design and improve the national strategy of financial education;actively explore concrete practical measures and innovate financial education content and channels;pay attention to improving the financial literacy of all citizens and strengthen the cultivation of vulnerable groups in financial education.