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 plans in the objectives, 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 progress of the pilot project 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.