Financial literacy is an important literacy for modern citizens to adapt to the increasingly complex economic world，To ensure individual financial well -being、Promote the common prosperity of all people、It is significant to maintain the benign operation of macroeconomics。In recent decades，Especially after the 2008 international financial crisis，Government departments of various countries、The academic and the public are increasingly attached great importance to financial literacy issues。The People's Bank of China pays attention to the financial literacy status of the nationals of our country，Establishing a consumer financial vegetarian questionnaire survey system in 2016，Carry out a national survey every two years。Except the government's attention，The academic community also conducted in -depth research on the connotation of financial literacy and its scientific evaluation。

November 27, 2021，"Improve financial literacy，Promoting common prosperity: successfully held，The meeting is by the Department of Psychology, Renmin University of China、School of Social and Psychological, Central University of Finance and Economics、VISA jointly hosted，Co -organized by the Economic and Psychological Professional Committee of the Chinese Psychology Society。The National Social Science Fund major project team, which is the chief expert of Xin Ziqiang, a professor of Renmin University of China, released the Chinese citizen's financial literacy index at the meeting。The results released at this meeting、Review speeches from relevant leaders and experts，On the one hand, the important significance of financial literacy in micro and macro levels，On the other hand, the latest academic achievements and cutting -edge directions of financial literacy research。

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Professor Liu Yuanchun, Vice President of Renmin University of China, proposed，Around "Improving financial literacy，Promoting common prosperity "to discuss，coincided with time。The Sixth Plenary Session of the 19th Central Committee of the Party made a strategic deployment of the common prosperity of all people，bet365 Play online games Common wealth is the essential characteristics of socialism，It is necessary for Chinese -style modernization、One of the necessary footholds。Common wealth，Not only requires high -quality development，To the income distribution system、Public services and other aspects to carry out big reforms，At the same time，The shaping of the micro -subject is still the most important thing。Financial literacy is an essential literacy for everyone，It is a necessary literacy for socialist modernization newcomers。The Sixth Plenary Session of the 19th Central Committee of the Party repeatedly emphasized to adhere to the people -centered，​​Then the improvement of people's quality is very critical。Liu Yuanchun thinks，In the socialist market economy system with Chinese characteristics，In an economic globalization、In the global system of financial globalization，If the financial literacy of citizens is very low，Even if the GDP is high，It may also face high income traps。For example，Although some oil output countries have high income，But due to citizens' literacy, especially financial literacy，directly leads to the poor economic cycle of the entire society，Innovative power of the society，There is no modernization in society，The people do not really realize wealth，No improvement on the happiness index。So，A micro foundation for common wealth，It is the comprehensive improvement of civic financial literacy。

Yin Youping, deputy director of the Financial Consumption Rights Protection Bureau of the People's Bank of China, believes，Financial consumers are the foundation of the financial industry，Only "Ben" solidarity，"Industry" Fang An。Consumers' good financial education，is the cornerstone of the steady financial market。Do a good foundation for financial education，It is necessary to dynamically master the level of national financial literacy (that is, financial literacy)，So as to continuously improve the targeted and effectiveness of financial education。Financial literacy and financial education are related to the vital interests of each consumer，More related to the people's money bags and the longing for a better life。Strengthen financial education、Improve financial literacy，Can't do without the participation of all sectors of society，Everyone should be together Bet365 app download to improve financial literacy、Prevent financial risks、Promoting financial health、Realize the strength of common prosperity contribution。

　　Comprehensively understand the connotation of financial literacy

Xin Ziqiang's "my country Citizen's Financial A literacy Index Construction and Database Construction" project，It is currently the only major project of the National Social Science Fund related to financial literacy。will be on，Xin Ziqiang systematically explained its own financial literacy theory。Western scholars' research on financial literacy has been in history for nearly 30 years，They usually view financial and economic literacy as financial knowledge and financial ability required for financial management activities，I did not incorporate financial values ​​in it。This narrow concept understanding，Not conducive to the essence of comprehensive reflection of financial literacy。Different from Western countries is，my country's traditional "righteousness" and socialist "righteousness"，Always attach importance to the value orientation of financial activities。Xin Ziqiang's team adhering to this concept，Integration Economics and Psychology and other multi -disciplinary perspectives，Dual human assumptions based on "economic people" and "social people"，The theory of financial literacy with Chinese characteristics is proposed，Think of financial literacy as financial knowledge、Finance and Economics、Complexes of the three financial values。

Based on this theory，Xin Ziqiang team (including Sun Ling、Zhang Hongchuan、Yu Yonghong、Xin Zhiyong, etc.) The original "Chinese Citizen Economic Equality Test" has been developed for many years，It includes three sets (five) special tests，That is the financial knowledge test、Financial ability test and financial value view test，The latter also includes financial values ​​test、Financial ethics observation and wealth value view test。Strict professional testing，The whole set of tests has good credibility and effectiveness，Both can be used to evaluate the item of financial literacy，It can also be used to evaluate its overall performance。

Due to the test development of the test development, the dual human assumptions of "economic people" and "social people"，Therefore, two indicators of the economic man index and the social person index bet365 live casino games measure the financial literacy of a person。The higher the score of the economy's index，It means that the individual has higher financial values、Financial knowledge and financial ability，Pay more attention to financial management and be good at financial management，is good at "profit"; social person index scores high，It means that individuals have transcendent wealth values ​​and financial ethics views，It is manifested as to surpass the wealth itself and pursue other longer -long、Social goals，and comply with financial ethics specifications in financial activities，Pay attention to "Zunyi"。A real high financial literacy，It should be "both into consideration"，Not good at wealth management profit，You can do "gentleman love for money，Take it "，Make sure the morality of financial activities。

From "San Yuan Content" (Financial Knowledge、Financial ability and financial values) and "two -dimensional structure" (two -dimensional structure "(two indexes of economics and social people) are defined and evaluated financial literacy，Breaking through the theoretical understanding of Western scholars，Provided more comprehensive theoretical construction。Yin Youping proposed，The "three yuan" theory of financial literacy，Based on financial knowledge and financial capabilities，Realized breakthroughs in understanding。The People's Bank of China also has similar practices when conducting consumer financial literacy surveys，From financial knowledge、Financial skills、Four aspects of financial attitude and financial behavior to evaluate financial literacy。

Liu Yuanchun said，The viewpoint of the "three yuan" theory of financial literacy has a philosophical foundation and Chinese characteristics，A absorbing thoughts of different disciplines of economics and psychology，The connotation of we know financial literacy，Is a very important promotion。In his opinion，Western scholars often set financial literacy as financial knowledge and financial ability required for financial management activities，This view is very narrow to some extent，Because from the perspective of traditional Chinese culture，We talk about "gentleman love money，Take it "。This "Tao" is very important，One of them is the "Views of Righteousness" with Chinese characteristics。If you lose moral ethics，Lost the correct values ​​and "Views of Yili"，bet365 live casino games Simply profit -seeking must be difficult to achieve happiness，It is also difficult to really realize common prosperity under the guidance of "invisible hands"，Realizing continuous growth。

　　Following the phenomenon of differentiation of citizens' financial literacy index

The meeting released the 31 provinces (cities nationwide、Autonomous Region) The results of the financial literacy survey of 10,000 samples。The survey reveals the basic status of the financial literacy of citizens in my country，Especially in individual、The phenomenon of "differentiation" of the economic man index and the social human index existing at the provincial and district levels。For example，The ranking of two indexes in each province and regions has obvious inconsistencies: 10 provinces (autonomous regions) with the highest score of the economic manner index are Shanghai in turn、Fujian、Zhejiang、Shandong、Tianjin、Beijing、Guangdong、Hubei、Yunnan、Shanxi; 10 provinces (autonomous regions) with the highest social indexes are Tibet、Qinghai、Xinjiang、Guangdong、Ningxia、Henan、Yunnan、Jilin、Zhejiang、Shaanxi。Economic Index and Social Personal Index in 31 provinces (districts) are significantly negative (related coefficients are -0.53)，That is the provincial (district) with higher economic man index scores，Social person index often lower the lower，The two indexes have a considerable degree of departure or differentiation。Some provincial (autonomous regions) economic people index mentioned it, but the social person index fell down，Some are the opposite。In short，Two indexes of financial literacy are sometimes developed balanced。Xin Ziqiang pointed out，This result reminds us of the time when designing policies and development of financial literacy，Two people take care of both，Abandon the narrow understanding of financial and economic literacy from the perspective of financial knowledge and financial management ability。We want to treat children and adolescents、Financial consumers and even all citizens develop systems of financial literacy education，Based on its economic person characteristics (financial values、Financial Knowledge and Financial Capability) Cultivation，It is also necessary to pay attention to the cultivation of its social characteristics (transcendent wealth values ​​and financial ethics)，Make it "and benefit Bet365 lotto review and benefit"，Construct a full range of financial literacy。

In addition to conducting investigations and research，Associate Professor Sun Ling, an associate professor of the Central University of Finance and Economics, as an expert in the project group，At the meeting, a series of educational practices based on the theory of financial literacy "three yuan" theory introduced the team，Including college students' financial literary literacy courses and micro -video contests、Middle school students in poor areas of financial and economic literacy summer camp、Financial literacy training for the elderly、Children's financial literacy publicity publicity carried out in the form of live broadcast。

Around the above research results and educational practice，Experts at the meeting conducted in -depth discussions。Yin Youping thinks，This project is in the idea、Methods and conclusions have made outstanding contributions，Especially innovatively cut in from two perspectives from economics and social people，Get a refreshing conclusion。Yan Min, vice president of Henan Finance Institute, believes，The results of this national survey can inspire us to think about how to from the Lidu people、Starting from the perspective of teaching and educating people，To better solve the problem of unattracting the development of higher education education and the development of values。Professor Hu Ping of Renmin University of China thinks，The results of this research effectively realize the cross of psychology and economics，Proposed from the West、The theory of financial literacy of Chinese people，Provide a psychological construction path for the common prosperity。VISA Company's Inclusive Finance and Education person in charge Wang Dong believes，This research result is a successful case of "political, industry -university -research" combination，The assessment tools developed provided a "infrastructure" for the financial industry and financial education，is a "new infrastructure" in this field。Director Wang Yan of the People's Bank of China thinks，This research results can make more detailed portraits of consumers，to improve the targeted financial education。Vice President of China Bo Education Sa Renna thinks，The teaching of financial knowledge and skills is relatively easy，But the cultivation of values ​​is more difficult，It is also more important，bet365 Play online games It should be used as the focus of youth financial literacy education。Professor Li Xiliang, a professor in Shandong University of Technology and Commerce, believes，The content of this study is deeply thinking，Inspiring significance for promoting higher financial education。Associate Professor Liu Guofang of Shanghai Maritime University believes，Finance and Education Education's intervention in non -financial schools can take the way to think and politics。Experts at the meeting agreed，It should be established "financial literacy research and education collaborative network"，Together with "improve financial literacy，Promote common prosperity "。

　　(Author Unit: Department of Psychology, Renmin University of China)