儿童财商教育探究：现状、问题及建议
Exploration of Children’s Financial Intelligence Education: Current Situation, Problems, and Suggestions

财商是儿童基础素养的重要组成部分，许多家长开始关注并重视儿童财商教育，家庭财商教育需求日益增加，但现阶段我国学校财商教育缺乏体系化设计、社会民众缺乏财商教育理念、儿童财商教育法律制度缺失等现状问题。要提高社会大众的金融素养，最有效的措施是在未成年时期就开展基础财商教育。本研究通过对财商教育研究文献梳理和实证调查分析，解析儿童财商教育的影响因素及现状问题，分析结果显示被调查者在学历、所在区域等方面存在显著性差异。论文提出提高居民金融素养、完善儿童财商教育体系、建立社会、学校和家庭相融合的财商路径等政策建议。
Financial intelligence is an important component of children’s basic literacy. Many parents have begun to pay attention to and attach importance to children’s financial intelligence education, and the demand for family financial intelligence education is increasing. However, at present, China’s school financial intelligence education lacks systematic design, the public lacks the concept of fi-nancial intelligence education, and the legal system for children’s financial intelligence education is lacking. The most effective measure to improve the financial literacy of the general public is to carry out basic financial intelligence education during adolescence. This study analyzes the influencing factors and current problems of children’s financial intelligence education through literature review and empirical survey analysis. The analysis results show that there are significant differences in educational background, location, and other aspects among the respondents. The paper proposes policy recommendations such as improving residents' financial literacy, improving children’s financial intelligence education system, and establishing a financial intelligence path that integrates society, schools, and families.