bet365 Play online games Recent，Global inflation has become the focus of people's attention，It brings financial pressure while destroying people’s savings mode，and threatened long -term financial security。Financial vegetation affects financial decision -making to a certain extent，For this，Improvement of people's financial formation into a issue that is increasingly attached to the public sector。

In modern economic activities，Consumers need to make a series of complex financial decisions，These decisions may have long -term effects。Senior Researcher of the bet365 Play online games Institute of Economic Policy of Stanford University AnnaMaria Lusardi, etc.，They point out，With the popularity of online financial applications、The birth of the new payment method and the improvement of the new asset type can be improved，People need to have higher financial literacy。A large amount of evidence indicates，People often fall into financial difficulties because they do not have relevant skills。

To understand the degree of financial literacy of the contemporary people，Luxaldi and others conducted a survey in many countries around the world。Results indicate，less than half of the respondents can make the right financial decision，A considerable number of young people do not understand how inflation is eroding purchasing power。At the same time，Interviewees of developed bet365 Play online games economies have less understanding of emerging economies，and youth、Women、Low -income person with low education level、Elephant or ethnic groups generally show lower financial literacy，At the same time，Their financial situation is also more fragile。

Luxaldi said，People with good financial literacy can be more wise to engage in financial activities，such as，They have a more flexible reserve plan，It is also easier to get better investment income，and better manage your own debt。At the same time，When evaluating the effect of financial vegetarian education，Researchers discovered，Financial literacy education has an important positive impact on financial knowledge and financial behavior，Financial literacy education projects also have cost benefits。

The importance of financial literacy is also reflected bet365 Play online games in its booming research and development process。In recent decades，Financial literacy research is exponential growth，For example, in the "Social Science Citations Index) database，1994-2004 rarely included citations on financial literacy，and now，More than 3,000 citations will appear every year。At the same time，Disciplines have recognized that financial literacy is a formal research field。The impact of the development of this new field on the future，Luxaldi thinks，The standard for measuring financial literacy has been universal，and proved to be a good indicator for predicting financial behavior。Financial vegetarian indicators are also included in the standard cross -familiar model of consumer behavior (Standard IntertEMPral Models of Consumer Behaviour)Bet365 app download ，Make researchers know more about the restricted factors of people's financial decisions。other，The key role of financial literacy is also recognized by colleges and universities，Many universities offer personal financial courses，allow ordinary people to better manage finance through learning and training、Develop your own investment plan, etc.。

As Ru Saldi mentioned，Because many people lack financial knowledge，This not only limits their ability to make full use of resources，It also adversely affects the stability of the macroeconomic and financial stability。So，It is very important to improve people’s financial literacy，and than to solve the economic crisis，The cost it needs to pay is also lower。

　(Zhao Qi/Compilation)