Financial Quotient is the abbreviation of FQ(Financial Quotient), which is simply a person's ability to understand and control money and the wisdom of financial management. It includes two abilities: one is the ability to correctly understand money and its laws; The second is the ability to correctly use money and monetary laws. Financial quotient is the most realistic and needed ability of a person, and it is increasingly regarded as the key to success in life. Financial quotient, IQ and EQ are included in the "three quotients" education of teenagers by educators. Financial quotient is the basic quality that modern people must have, and it is the foundation of self-improvement, self-reliance and self-improvement, which is directly related to the happiness of people's life.
Financial quotient education is the education of people's wealth view with the help of IQ and EQ education. Its goal is to cultivate children's correct view of money and basic financial management skills. This kind of education is the most pragmatic and practical, which can solve the problems about money and wealth that children face in real life. Through systematic financial and business education for children, children's understanding of the means of acquiring wealth and how to enjoy it can be improved, and people's comprehensive quality can be improved, so that children can quickly find a balance between society and individuals in adulthood, adapt to the requirements of a commodity society, and gradually realize their personal career and life. Financial and business education is related to the happiness and wealth of children throughout their lives.
2. Family education attaches importance to the significance of financial and business education.
2. 1, financial and business education is the need of the times.
Since the reform and opening up, our party and government have clearly pointed out that "poverty is not socialism" and implemented the policy of "let some people get rich first and then move towards common prosperity", which has promoted the development of the national economy and the accumulation of social wealth. In this social environment, people love and are proud of wealth, and strive to create and accumulate wealth. Formed a normal, healthy and reasonable view of wealth. For individuals, with wealth, they can live and work in peace and contentment and invest in their favorite careers; For enterprises, wealth can expand reproduction, expand market and investment, provide more products for society and create more employment opportunities; For a country, with wealth, it can continuously invest in culture, education, health, science and technology, social security and other undertakings, enhance the country's comprehensive national strength, and then promote the all-round progress of society. It can be said that the prosperity of the country and the improvement of people's living standards require not only high-tech talents, but also high-finance and high-business talents who create wealth for the society. In short, financial quotient creates wealth!
With the advent of global economic integration, the new era needs high-quality and high-quality talents. High-quality, high-quality talents should not only master scientific and cultural knowledge, but also master financial and business, a representative professional knowledge of the times. In international communication, we often suffer huge losses because of our weak economic consciousness. For example, the scientific achievements that originally belonged to China's development have become the wealth of foreigners; The time-honored brands used by China enterprises for hundreds of years have all been registered by foreigners, and such painful lessons are endless. We have the responsibility and obligation to make up for the gaps and shortcomings caused by previous prejudices. Therefore, it is of strategic significance to speed up the pace, keep pace with the times and regard financial and business education as an aspect of children's all-round training.
In today's high-speed economic development, the pursuit of wealth is something worthy of encouragement, and it is also the direction we should strive for. Parents should encourage their children to establish a positive and healthy concept of modern wealth in step with the development of the times, and cultivate high-financial and business talents with scientific educational methods. This is the requirement of the times and the needs of society.
2.2. Financial education is an important part of family education.
Financial and business education is an important part of quality education and an important aspect of family education. Compared with schools, family is the most important and ideal place for children's financial and business education. Because no matter the educational content or the implementation conditions, the tasks that schools can undertake are relatively limited, and families can provide necessary contents, materials and organize specific activities for financial and business education. For example, children's finances are provided by the family; Family plays an important role in cultivating children's views on money and wealth; Family financial management has a direct impact on children. For every family, it is of great significance for children's growth and development to teach them a correct understanding of wealth, cultivate their ability to manage money correctly, awaken their sleeping financial talent and open their potential to create wealth. Otherwise, the children we educate have no concept of labor, no economic mind, no idea of how to make money, and no idea of reasonable savings when they grow up. Then, in a society with fierce competition between goods and talents, how can we stand on our feet? How to get married? How to contribute to society?
2.3. Financial and business education is the need of children's development.
The research shows that 5- 12 years old is the key period of children's financial education. At this stage, children's money values and consumption habits have not yet been finalized. If financial education is carried out at this time, the child can learn to arrange the use of 10 yuan, and give him100000 yuan or more tomorrow, which can be handled with ease. Relevant experts believe that financial and business knowledge education is a kind of practice to guide children to experience and manage money in life, and it is also a kind of survival education to guide children to learn to plan their dreams and manage their lives. It is also an education to guide children to learn to be grateful to their parents, establish a sense of responsibility and gain independent self-esteem. A correct concept of wealth, financial awareness and good financial habits will benefit children for life.
3. The current situation of family financial education.
3. 1, financial and business knowledge education, known as the "life happiness plan from the age of 3" in the United States.
Let children learn how to make money, spend money, save money, borrow money, and share the value-added of money with others. How to let children live in the atmosphere of financial awareness, gradually cultivate the awareness of paying taxes according to law, and cultivate the quality and ability of being good at financial management. This is a solid folk foundation for cultivating and bringing up a large number of outstanding economic talents and economic management talents in the United States, and it is also a content of quality education in the United States. There are special requirements for teenagers' financial education: children can know coins and banknotes when they are 3 years old; When I was 4 years old, I could know how many cents each coin was. I realized that I couldn't buy all the goods, so I had to make a choice. When I was 5 years old, I knew the equivalent of coins and how the money came from. 6 years old, can find a small amount of money and count a lot of coins; At the age of 7, he can read the price tag and cultivate his financial management concept that "money can be exchanged …"; When I was 8 years old, I knew I could make money by doing extra work. I knew I could leave the money in my account. At the age of 9, I was able to make a weekly consumption plan and know how to compare prices when shopping; 10 knows how to save a little money every week for large expenses; 1 1 years old knows to find facts from TV advertisements; 12 years old, able to make and implement a two-week expenditure plan, and know how to use the terminology in general banking correctly; /kloc-graduated from high school at the age of 0/3, trying to make money by investing in stocks and bonds and working in business. Most families in western countries are educating their children to manage their finances step by step in a practical and meticulous way. There is no doubt that the rapid economic development of western countries can not be separated from their careful and diligent financial and business education for their children from an early age.