China consumer financial literacy is constantly improving
Finance and funds unclear? Can’t read the credit card terms? Buy insurance full by recommendation? This type of financial knowledge is lacking even thus causes disputes that are constantly decreasing.
With the economic development, income increases, the financial needs of Chinese consumers are enhanced, and financial literacy is also 上海干磨水磨 increasing.
"Consumer Financial Literacy Investigation and Analysis Report (2021)" (hereinafter referred to as "Report") (hereinafter referred to as "Report") shows that the national consumer financial literacy index is significantly higher than 2019, the residents perform more in financial attitudes Good, financial skills improve significantly.
The knowledge is richer, the skills are enhanced by consumer financial literacy, and the experience of bank staff is most obvious.
"Customers have become more and more comprehensive, professional." Industrial and Commercial Bank of Industry Customer Manager Yan Yan found that now, consumers will generally do their homework in advance, and the attention of relevant policies is also improved.
"For,,上海外滩419会所哪家好 Risk, etc., rather than just staring at the yield.
"The Bank" Report "exhibits this positive change in consumers in many ways. Financial knowledge is more rich – compared with 2019, financial consumers are credit knowledge, insurance knowledge, loan knowledge, deposit insurance knowledge, annualization There is a significant improvement in the calculation of yield calculations. Among them,% of the respondents know that the serious bad credit records have a negative impact on their application for loans; in place for the awareness of the exemption,% of the respondents know unconditional. Related regulations; Most respondents (%) have a certain understanding of the relationship between the loan period and the monthly repayment amount and interest. Financial behavior is significantly improved – taking credit card as an example, compared with 2019, financial consumer credit card repayment The behavior is significantly improved, the proportion of full payment has increased a percentage point, the proportion of the lowest repayment or lack of repayment has dropped a percentage. At the same time, consumer reading contract habits have significantly improved, and the proportion of the contract clause has increased. A percentage point. "Now our bank’s credit card repayment overdue is less and less. With the continuous spread of financial knowledge, customers have also begun to pay attention to the relationship between the timeliness of credit card repayment and its own credit information.
"Yan Yan said.
The financial attitude has improved – "Report" pointed out that China’s financial consumers have generally cautious attitudes to liabilities, only% will consider the use of foot loans when purchasing large items. Nearly 90% of respondents recognize the importance of financial education, and most people believe that the most effective way for adolescent financial education is through school curriculum education.
Financial skills are stronger – overall, Chinese consumers have performed well in daily revenue and expenditure management, most of which are overcome surplus or balanced state. In terms of emergency savings, the% respondents can respond to unexpected expenses equivalent to 3 months. In groups that get financial products or service information through Internet channels, most respondents can realize that they must identify financial marketing publicity through qualifications,% respondents believe that they should be distinguished by viewing financial licensing,% thinking to pass financial marketing The qualification of the personnel is distinguished.
In groups with reading contract habits, more than 80% of respondents can understand the key provisions of the financial product contract.
In terms of financial consumption disputes, respondents can basically choose the correct complaint channel.
Behind the global level of consumer financial literacy, there are both financial development, strengthening publicity and popularization, and consumers take the initiative to learn financial knowledge. Compared with 2019, consumers believe that financial education is very important to increase a percentage point, and it is considered that the proportion of financial education is less than 10 percentage points.
In the past two years, in large and medium-sized cities, wealth management training underline online is welcome. Ms. Zhao, Beijing, recently spent 8,000 yuan, and learned basic financial knowledge through 25 video class, including family asset allocation, stock investment method, cash management method, etc. "I have been working for 20 years, there are some bank deposits, but I have known the half solution for the financial management, I want to report a class to improve the ‘business’.
If wealth management can be done, it is equivalent to earning yourself a lot of money.
Zhao Xijun, senior researcher of Chongyang Finance Research Institute, Renmin University of China: "China’s national income level is continuously improved, and residential living conditions are constantly improving, financial services are increasingly important for consumers.
With financial needs, consumers will naturally learn related knowledge.
In addition, with technology progress, new financial services forms continue to occur, which also requires consumers to continuously improve their own financial literacy. "What is the level of Chinese consumer financial literacy in the world?" Report "shows that from the international comparison In terms of financial knowledge, Chinese consumers have the advantage of interest rate calculations, and there is insufficient in understanding the principle of investment dispersion and risk income.
In terms of financial behavior, Chinese consumers have shown outstanding daily payments management and on-time repayment, but we are weak in purchase insurance products.
The most prominent advantage is reflected in financial attitudes, especially in emergency savings.
The new crown pneumonia epidemic situation is a test of financial consumers. "Report" will use the family’s emergency savings (reflecting family financial toughness) as an inspection indicator, and observes whether financial consumers will convert long-term attitudes into substantive savings. Improve its ability to respond to unpredictable financial impact. The survey results show that Chinese consumers are far ahead of emergency savings. Shanghai citizens say Bai Yun said that there are customs habits of savings. In her opinion, bank deposit interest rate is not high, but the risk is low, it is to ensure the bottom gas of everyday life.
Although the fund and other products may have high yields, the risk is also large.
Therefore, she divided the salary into 3 copies.
"I have about 10,000 yuan, of which 3,000 yuan is used to pay a rent, 8,000 yuan as deposits, with 7,000 yuan for the replenishment and daily consumption of fund products." "An old one less" financial education needs to be strengthened Since 2016, the People’s Bank of China officially established a consumer financialin raising questionnaire, this year, the central bank has released the third time to release consumer financial literacy investigation reports. Consumer financial literacy is generally increasing, there is also a phenomenon between groups. "Every time I go home, I have to talk to my parents, especially worried that they have been sold by some so-called high-yield products’," said Ms. Wen in Beijing.
In the family WeChat group, she often forwards some articles and videos to prevent financial fraud. At present, consumer financial literacy is present in the age of "U" type, the elderly, and adolescents are relatively low, especially for elderly over 60 years old, have a significant shortage of adaptability to financial digital adaptation.
Actively obtain financial information through Internet channels (including computers and smartphones), is an embodiment of consumers to adapt to financial digital trends. The survey shows that this is not a way for the elderly. Only by the group in the age of 60 will use the Internet as a channel for acquiring financial products and service information, and there is% in the young group will use the Internet as a financial product or service. The channel of information.
Zhao Xijun said that the Chinese economy is in an important stage of expanding domestic demand and strengthening the domestic market. "Financial services involve the whole process of consumption, smashing the credit card in daily life, big to buy a house, buying a loan behavior. Therefore, consumer financial literacy plays an important role in promoting economic and social development." How to continuously improve consumption Financial literacy? Focus on "one old one less". For the elderly, the "Report" proposed, to pay attention to the number of digital financial transformations of the elderly, maintaining enough patience, avoiding the infringement of illegal financial activities in the elderly, and increase the protection of financial consumption rights on the elderly.
Zhao Xijun believes that the channels and opportunities of the older group should receive financial education. Financial institutions can provide services to the elderly groups to teach relevant knowledge.
For the elderly who can use smart devices, financial education can be made on the network platform line.
"All types of terminals put anti-fraud public welfare advertisements are doing very well, the effect is good. In addition, the online mass media communication channels can not be ignored, and we must improve the financial literacy of the old age.
"Report" also pointed out that Chinese consumers have more sufficient emergency savings, and have strong support for economic recovery in the epidemic. It is one of China’s economic toughness. In order to maintain this advantage, we need to strengthen financial education for youth. In this regard, Zhao Xijun proposes to officially incorporate financial education into the national education system, and systematically enhance the financial literacy of youth.
In addition, more targeted, more systematic financial education 上海水磨裸选会所is also necessary.
The "Report" shows that consumers are currently lacking enough cognition of financial common sense of decentralized investment. The income of financial investment is expected to present irrational characteristics, which is prone to irrational investment behavior, which may increase financial market fluctuations. Further improve the strategic status of financial education.