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.

2. 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.

3. What is "community finance"?

"Community finance" effectively integrates the supply and demand of banks, developers and community owners, and can provide full-featured banking services to meet their needs in banking, securities and insurance, such as providing corporate credit, settlement, foreign exchange business, owner-oriented savings deposits, consumer credit, housing financing, collection and payment, etc.

The primary goal of "community finance" is to build a stable and reliable financial operating environment under credit conditions and rebuild the reputation mechanism of market economy; Secondly, to provide financial products and services to the fixed customers of a community, so as to provide effective basis and conditions for realizing their personalized, diversified and networked needs. Therefore, some experts have concluded that the mode of "community finance" is the reputation of eastern families and western businesses.

4. How to popularize the basic knowledge of rural finance?

I. Purpose of the event

Publicize financial knowledge, actively guide young people in rural and pastoral areas to establish correct business philosophy, manage money scientifically, master credit and investment skills, increase property income, and give full play to the important role of financial system organizations in improving national financial quality, promoting financial ecological construction, serving youth life, and building new rural and pastoral areas.

Second, the theme of the event

Promote financial knowledge, serve the lives of teenagers and build a new rural pastoral area.

Third, the activity time

XX month to XX month of 20XX year

Four. Activity content

The xx Youth League Committee coordinates the relevant financial departments, organizes financial experts and young volunteers from financial institutions, makes full use of the publicity platform of the Communist Youth League organizations and youth centers in rural pastoral areas, and widely publicizes the relevant financial knowledge in rural pastoral areas in a form that young people love, and transmits the financial knowledge of financial products such as stocks, insurance and funds, the handling process of micro-credit loans, and common sense such as anti-counterfeiting, preventing illegal fund-raising and identifying financial fraud to young people in rural pastoral areas.

(1) Holding on-site financial knowledge consulting service activities.

We will provide financial knowledge consulting services for young people in rural pastoral areas by setting up publicity boards, broadcasting promotional films, giving lectures on financial knowledge, winning prizes in competitions, performing arts in squares and other publicity forms. The Youth League Committee of xx will coordinate the financial securities law research society of xx Law Society, financial office, xx company and other relevant financial departments to tour and preach all kinds of financial knowledge in the whole region.

(2) Establish a financial knowledge service station.

Xx Company has established a long-term cooperative relationship with the youth league committees of counties (cities, districts) and established a financial knowledge service station. Through xx Company's outlets, the series of books on sending financial knowledge to the countryside are distributed to the public to publicize financial knowledge and provide convenient financial services.

(3) Organize activities of offering love and send warm.

Xx Company organizes young members of this system to extensively carry out youth volunteer activities such as offering love and send warm in rural pastoral areas, and provide targeted financial support to vulnerable groups in rural pastoral areas.

Verb (abbreviation of verb) activity promotion

(a) preparation for the start-up phase

The xx Youth League Committee, in conjunction with relevant financial institutions, set up a leading group to coordinate the activities of "Building Youth, Building a New Countryside and a New Pastoral Area-Sending Financial Knowledge to the Countryside", and formulated and issued an action plan. League organizations at all levels should set up a coordination leading group accordingly, formulate an action plan and report it step by step according to the local actual situation and the demand for youth financial services.

(ii) Full implementation phase

League organizations at all levels and relevant financial institutions comprehensively organize and carry out related activities in accordance with the action plan.

(3) Summary stage

League organizations at all levels and relevant financial institutions summarize the activities carried out in this area, find out the problems existing in the activities and put forward countermeasures and suggestions. Select outstanding actions, outstanding units and individuals of "Young people making contributions to new countryside and new pastoral areas-sending financial knowledge to the countryside", set up advanced models and sum up experience.

Activity requirements of intransitive verbs

(1) Strengthen organizational leadership. League organizations at all levels should fully understand the significance of this activity, strengthen work guidance, and actively provide necessary protection for the activity. It is necessary to absorb the leaders in charge of relevant financial institutions as members of the coordination leading group, strengthen communication and cooperation, build a publicity platform, and strive to form a work pattern of division of labor, cooperation, mutual support and pragmatic management.

(2) Building a long-term mechanism. It is necessary to organize and guide the staff of financial institutions to go deep into the grassroots and youth, and accurately grasp the financial service needs of young people in rural pastoral areas and determine the service items by issuing questionnaires and holding symposiums. It is necessary to strengthen the supervision and inspection of activities, improve the scientific and planned work, strive to build brand activities, and build a long-term mechanism. ?

(3) Pay attention to publicity and guidance. It is necessary to widely publicize and actively guide, and timely release dynamic information about related activities, exchange experiences, and deepen the effect of activities through forms such as group magazines and the Internet. We should actively strive for the participation and cooperation of the news media, create momentum, form a good social atmosphere, and expand the social impact of the activities.