Popularize financial knowledge 1. Why is it important to popularize financial knowledge?

The "truth" of finance makes people have a unique vision. False gold is plated with real gold, and real gold is not plated with gold. For most people, finance is a very professional field, with a wide variety of products, abstract and complex relationships and endless innovations. In addition, finance itself is also undergoing great changes, from participating institutions to operating models, from risk composition to technical means. Even financial practitioners, it is often difficult to know them like the back of their hands, let alone ordinary people. So there appeared a liar and robber, BLACKPINK, in an attempt to seize such a rare "Nugget Feast". The prevalence of all kinds of financial fraud has become a major hidden danger affecting social stability during the economic downturn.

What is commendable about interesting finance is that it transforms professional knowledge that ordinary people find difficult to master into popular language and spreads it patiently. There is a chapter in the book devoted to revealing financial scams and various risks, and extracting the common characteristics of swindler companies and platforms, such as fabricating good stories, boasting high returns, and claiming great innovations. It provides a tool for people who lack financial knowledge and have low financial risk resistance. This is also a broad sense of "financial inclusion".

The "truth" of finance makes people respect justice. As Ouyang Xiu said in "Talking with Yan Zhi", a gentleman has a clear conscience. Especially for researchers in the financial industry, helping the public distinguish between true and false, right and wrong, good and bad requires not only professional analytical ability and independent thinking ability, but also justice and courage to dare to express different views. It usually takes a lot of time and energy to write financial review articles, but the cost performance is not high, which can't attract much attention and bring any fame and fortune, and it is far less affordable than some so-called "expert" platforms. Moreover, in the process of revealing the truth and speaking rationally, it is easy to touch many interests and bear many risks, but these have not made the author afraid. Fun Finance has also collected some hot comments on the development and reform of banks. Some of these viewpoints, such as the discussion on the rationality of bank profits, are inconsistent with the one-sided negative evaluation of banks in society, and the article was severely besieged on the Internet as soon as it was published. However, the author did not stop speaking because of being attacked, but firmly believed that the truth was becoming clearer and clearer, and gradually accumulated communication skills and experience through continuous writing.

Hope to adopt, thank you!

2. About the contents of financial manuscripts

Finance [1] refers to the issuance, circulation and withdrawal of money, the issuance and withdrawal of loans, the deposit and withdrawal, the exchange of foreign exchange and other economic activities. Finance is to realize the equivalent circulation of value and profit after the re-integration of existing resources. The professional view is that the process from saving to investment can be narrowly understood as financial dynamic monetary economics. ) [1] Finance is the behavior that people make decisions on the optimal allocation of intertemporal resources in an uncertain environment.

The western definition, the New palgrave Dictionary of Economics, refers to the operation of the capital market, the supply and pricing of assets. Its basic contents include efficient market, risk and return, substitution and arbitrage, option pricing and corporate finance.

In addition to the in-depth development within the discipline, the trend of interdisciplinary and innovative development in the financial field is very obvious, and many striking emerging frontier disciplines have emerged, such as evolutionary finance, a new frontier discipline between biology and finance, and securities evolution analysis theory (EAS), a frontier discipline between biology and securities.

Gold once became the only medium of international trade. In the era of barter economy, businessmen can only carry out counterpart transactions and barter. Therefore, human economic activities are greatly restricted. In the era of gold standard economy, value and wealth are based on physical assets-gold. This objective physical method is very beneficial to the stable development of the global economy.

However, as the carrier of value circulation, gold's disadvantages, such as inconvenient physical conditions such as handling, carrying and conversion, make it give way to more flexible paper money (currency).

Nowadays, the monetary economy not only replaces the original barter economy, but also covers the gold standard economy. Monetary economy brings unprecedented economic freedom to mankind, but also brings many troubles and problems to mankind, such as unbalanced world trade, inconsistent values, inflation, currency depreciation, ups and downs of economic development and so on.

One of the important macro factors that triggered the global financial crisis is the global trade imbalance.

Human activities will promote blood flow. Similarly, all economic activities will promote the flow of finance (capital and value). Without liquidity, finance will become a "pool of stagnant water" and its value cannot be converted; If the value can't be converted, the economy can't run; If the economy can't run, new value can't be generated; If it can't produce new value, human society can't develop.

On the contrary, when the financial crisis develops to a certain extent, it will turn into an economic crisis; When the economic crisis develops to a certain extent, it will turn into a social crisis. This is an objective financial law independent of human consciousness.

3.20 18 What are the financial tips?

Hello, 20 18 should choose zhongnan cinda finance, there is no negative information. As far as I know, Zhongnan Cinda Finance is used by many people now, and it is doing well. Products are short-term, medium-term and long-term, all of which are guaranteed capital and interest. Judging whether there is transaction authenticity in the bank's management of capital accounts,

To be honest, financial management itself has certain risks. Nothing can only make a profit without losing money. Otherwise, everyone will invest, but there will be no problem with the general principal, but the income will fluctuate up and down, with high income and high risk, and low income and low risk. However, it is still necessary to carefully understand the investment risks related to wealth management products, fully consider their own risk tolerance, and set up security cards.

The network used to grow wildly, and it was a mixture of good and evil people, which required us to carefully screen and identify the investing public: liquidity, rate of return, degree of standardization, level of risk control and so on.

4. Why should we pay attention to the popularization of financial knowledge?

Strengthen the education and rights protection of financial consumers, cooperate with relevant departments to crack down on illegal financial activities such as financial fraud, illegal fund-raising, manufacturing and selling counterfeit money, and protect the legitimate rights and interests of financial consumers in poverty-stricken areas.

Smooth channels for handling consumer complaints, improve diversified dispute mediation mechanisms, and optimize the environment for financial consumers in poverty-stricken areas to share modern financial services fairly and openly. According to the demand characteristics of financial consumers in poverty-stricken areas, we should design and carry out financial consumer education activities in a targeted manner, implement the "Jinhui Project" of rural financial education in poverty-stricken areas, improve financial knowledge literacy and risk responsibility awareness of financial consumers, and optimize the financial ecological environment.

5. How to popularize financial knowledge?

With the rapid development of China's economy and society, finance has penetrated into all aspects of national life. While enjoying convenient financial services, people are constantly encountering new financial risks.

Some P2P online lending platforms, such as "running away" and financial fraud, have not only caused huge losses to consumers, but also brought a certain impact on China's financial stability. In this regard, Bai Hexiang, deputy to the National People's Congress and president of Xi Branch of the People's Bank of China, suggested that financial literacy education should be added to basic education to make it an important part of quality education.

The Report on the Investigation and Analysis of Consumers' Financial Literacy (20 17) issued by the People's Bank of China shows that the overall level of Chinese citizens' financial literacy is not high, and students at school, poor people in remote areas, migrant workers and the disabled should become the key areas and groups of financial consumption education. Among them, the student group is the most suitable group to receive financial education.

The survey shows that teenagers' financial literacy is obviously lower than that of adults, and their awareness of risks and rights and responsibilities needs to be strengthened. Therefore, Bai Hexiang believes: "It is urgent to promote the integration of financial knowledge into the national education system, improve the financial literacy of young people, and improve personal financial discrimination, risk prevention awareness, integrity awareness and responsibility awareness. "

Bai Hexiang suggested that financial knowledge led by the education department and coordinated by the financial supervision department should be incorporated into the working mechanism of the national education system. "The Guiding Opinions on Strengthening the Protection of Financial Consumers' Rights and Interests issued by the General Office of the State Council on 20 15 clearly requires that the Ministry of Education should incorporate the education of financial knowledge popularization into the national education system and effectively improve the national financial literacy".

However, judging from the current progress, some local education departments are not enthusiastic about this work. Therefore, it is suggested that the Ministry of Education should take the lead in establishing a multi-sectoral coordination mechanism, integrate resources, form a joint force, and make overall planning on the goal, planning, implementation, guarantee and evaluation of integrating financial knowledge into the national education system.

He said, "The popularization of financial knowledge is systematic and gradual. The key to promoting the integration of financial knowledge into the national education system is to integrate financial knowledge into basic education." Bai Hexiang suggested that from the perspective of curriculum standards, financial knowledge should be clearly regarded as the main content of quality education in primary and secondary schools. By giving full consideration to students' understanding ability and financial knowledge needs, the curriculum is set up systematically and scientifically from simple to complex, so that teenagers can better understand, master and apply financial knowledge and gradually cultivate good financial behavior, financial attitude and risk awareness.

Bai Hexiang also suggested that local governments at all levels should include financial literacy education funds in their fiscal budgets to ensure that financial literacy is smoothly incorporated into the national education system. "At present, financial knowledge education is based on the principle of public welfare and does not charge any fees to students and schools.

However, judging from the pilot progress of the People's Bank of China, the cost of compiling and printing textbooks is relatively high. Taking the current pilot project in Shaanxi Province as an example, Bai Hexiang said that the number of students in the pilot project is expected to be 6.5438+0.3 million, and the cost of compiling teaching materials is about 6.5438+0.3 million yuan.

It is difficult to guarantee the continuity of this work only by raising funds from the People's Bank of China. In this regard, it is suggested that local financial departments arrange special funds in the annual budget to ensure that schools incorporate financial knowledge into the special funds of the national education system.

6. Who will help me popularize financial knowledge?

Finance, popularly speaking, is financing, which is an economic category formed after the emergence of credit currency.

Finance is the general name of currency circulation, credit activities and related economic activities. Finance in a broad sense refers to all economic activities related to the issuance, storage, exchange, settlement and financing of credit currency, even including the sale of gold and silver, while finance in a narrow sense refers to the financing of credit currency. Finance, the basic function of financing, is realized by participants in economic and financial activities using various forms of financial instruments (products) in the so-called financial market.

Financial market refers to the sum of the supply-demand relationship and its mechanism formed by taking financial assets as trading objects. It includes the following meanings: the place or network of financial assets trading can be tangible or intangible, first; Reflect the supply and demand relationship between the supplier and the demander of financial assets, secondly; Third, the operating mechanism of financial asset transactions, including the price mechanism.

Financial market is in a special core position in the modern market system, which is mainly reflected in meeting the investment and financing needs of social reproduction functions and promoting the concentration and transformation of capital. In other words, guiding funds from surplus people (organizations) to shortage people is mainly reflected in the following two aspects: First, effectively raising and distributing funds.

As a trading place of financial assets, financial market has the function of gathering and allocating financial resources. The financial market has the function of guiding many scattered small funds into funds that can be invested in social reproduction.

In the real economy, all kinds of economic entities have a certain degree of self-financing ability, and most of the financing needs the help of financial markets. At this time, on the one hand, the financial market gathers the capital supply of different capital subjects, and at the same time distributes the funds to the capital demanders according to certain standards and operating mechanisms.

Under certain conditions, the higher the efficiency of capital allocation, the higher the economic surplus created, and the higher the rate of return of funds (usually called rate of return), so the greater the amount of funds mobilized. Second, realize risk diversification and reduce transaction costs.

In modern economy, fund demanders use corresponding financial instruments to raise needed funds through financial markets, and at the same time, they also spread risks to investors, which is manifested in the transfer of financial instruments in financial markets. In addition, financial instruments are usually traded centrally in the financial market through financial intermediaries, which is conducive to improving the information transparency of the financial market and preventing moral hazard, thus helping to reduce transaction costs.