What do you think of children's financial and business education?

"Nowadays, children have more and more pocket money and lucky money, but their ability to master and control money is still very limited." At present, "financial quotient (FQ)" rarely comes into the parents' field of vision under the education that parents attach importance to IQ and EQ.

What is financial quotient? Financial quotient refers to a person's ability to know, create and manage (money) wealth. Financial and business education is to establish a correct view of money, wealth and values through the study of money (wealth) knowledge and the experience of related practical activities.

Hu Yanling, an expert in financial and business education, suggested that financial and business education should start with dolls, and parents should carry out appropriate financial and business education according to their children's psychological characteristics.

200 questionnaires, 64% parents agree with financial and business education.

"Mom, I want to buy this remote-controlled plane!" The mother took her children to the shopping mall. The remote-controlled plane with thousands of dollars discouraged her, and the son she had to buy on the side also made her in a dilemma.

Such examples are very common in life. Hu Yanling, an expert in financial and business education, said that this reflected the lack of financial and business education. "Children don't realize the reciprocal relationship between goods and money, and their understanding of wealth is relatively simple. When they are young, they will judge the value of something from the perspective of' like it or not' and' fun or not'. "

At present, professional lectures and training courses on adult financial management are very common, but there are not many financial and business education for teenagers. Hu Yanling, an expert on financial and business education, said that there are several financial and business education institutions for young people in Beijing, but not many in other cities.

In April this year, Hu Yanling conducted a survey of 200 parents in Huizhou Nantan Primary School, Yiwu Commodity City and Binjiang Park. The survey results show that 64% of the parents surveyed agree with financial and business education, while 36% disagree.

The survey shows that parents think that "children spend a lot of money, so it is necessary to learn", "pay attention to the morality of behavior", "let children know the source of money and learn to spend money", "parents' existing financial management concept agrees that children should learn", "I hope their children can be independent" and "they need this ability to enter the society in the future and can be cultivated in advance. "

Some parents also think that "children are too young to talk about money too early", "parents don't understand and are not interested in financial business" and "children are obedient and there is no need to learn."

Many parents don't know how to teach financial education.

It is understood that many developed countries and regions in the world have incorporated financial and business education into the youth education system. In the United States, most state governments have adopted the policy of offering economic and financial management education courses in primary and secondary schools. Financial and business education has been introduced to American primary and secondary schools since the mid-1970s, and the school has designed systematic financial and business knowledge education courses for students of different ages. In Britain, the government has decided to start offering financial business courses for primary and secondary school students in the autumn of 20 1 1 to train them systematically. In Israel, financial and business education has penetrated into every corner of student education since childhood. Israel's financial and business education methods, such as delayed education and entrepreneurship education, are world-famous.

In China, financial and business education is not taken seriously in the current education system, and there is no content related to financial and business education in textbooks. "At present, the experiment and exploration of financial and business education in primary and secondary schools is a key topic in the Twelfth Five-Year Plan of China Education Association, and some schools are trying to carry out financial and business education into schools. But the reality is that financial and business education is rarely reflected in school education. Financial and business education mainly depends on family education. How to guide children to establish a correct view of money, wealth and values in family education is the main means of financial and business education. "

The reporter found that many parents don't know where to start in front of financial and business education. "Sit down and talk about' money', the child can't understand." "It's just that children don't listen to you."

"School education is not involved, and family education generally does not understand teaching, which leads to the lack of financial and business education for young people." In Hu Yanling's view, the gap between financial and business education affects the overall quality of young people. "among some primary and secondary school students, the idea of money first is very popular. Everything must be linked to money, lacking a correct view of wealth and a positive attitude and spirit towards life; Spend money casually, blindly compare, and talk about the prevalence of ostentation and extravagance. They often ask their parents for money when they have no money, and they are often seriously opposed to their parents, lacking an attitude of gratitude to their parents. Because of the lack of basic financial knowledge, young people who go to work have confidently become shopaholics, moonlight families, the elderly, house slaves and card slaves. "

■ Doubt

Is it too early to educate children about finance and business?

Zheng Quanyao, vice president of Huizhou Mental Health Culture Association, believes that from the perspective of psychological growth, children's view of money is a mature problem in children's psychological development and plays a role in children's life.

There is a comparative survey on the monthly pocket money of urban children in China, Japan and South Korea. The results show that the average monthly allowance of children in China is 400 to 500 yuan, which is two to three times that of Japanese and Korean children.

Zheng Quanyao said that the money in China children's hands has three characteristics: large difference, free access and small control. "Because of the big difference in money between children, it is easy to show off wealth and dislike wealth; The way parents give money to their children will directly affect their character development; Small dominance is because parents rarely cultivate their children's financial management concepts and do not let their children participate in financial management. "

"These truths will naturally be understood when you grow up." Many parents think that it is not necessary for children to learn financial management too early. Zheng Quanyao doesn't think so. "Financial education is good for children's psychological development. First, it can cultivate children's mature and rational financial personality; Financial and business education is also conducive to children's early entry into career planning. "

Will the price tag of housework make children profitable?

Xu Wenjuan, who is 10 years old this year, has to get the consent of her parents in all aspects of consumption, and she has about 30 yuan's pocket money every month, which is entirely at her own disposal. Xu Wenjuan earned these pocket money by doing housework at home.

"Sweeping the floor 1 yuan, drying clothes 1 yuan, cleaning 2 yuan ..." Xu Wenjuan's mother, Ms. Chen, is very strict with her children on the issue of money and will not let her spend money easily. "When my daughter takes a fancy to a bicycle, I will let her take a good test, and the bicycle is a reward."

In this regard, Xu Wenjuan's father believes that this clearly marked housework will make children pay more attention to money, and everything will be measured by money.

Zheng Quanyao introduced that in the United States, children's money can't be obtained without labor, and many of their pocket money comes from housework. This is a cultural atmosphere and a social atmosphere. In China, if parents simply set a price and are unclear, they may fall into a misunderstanding. "Let children understand that doing housework is an experience, and this experience is even more important than money."

Hu Yanling believes that when children do housework, they should first know, "Mom and Dad are family members. Both parents have to undertake housework, and it is normal for children to undertake some housework. Young people can do what they can, and they will be rewarded if they take the initiative. " In addition, when children consume their own "rewards", they should be properly guided to make some positive money use plans.

How do foreigners conduct financial and business education?

America: Does it cost money? Go to work!

As an immigrant country, the United States has a short history, so Americans' ideas are not so traditional and conservative, and their living habits are not conventional. Similarly, in terms of children's financial education, Americans who are used to spending money in the future are very different from other countries. American parents want their children to understand the relationship between self-reliance, diligence and money from an early age. They began to receive financial and business education at the age of 3.

It costs money? Go to work! Americans teach children the concept of wealth when they are very young, and teach them how to make money and manage money. For example, children in the United States will sell toys they don't need at home to earn a little income, or let them deliver milk, work as newsboys and do housework in exchange for pocket money. All these make children realize that even if they are born in a wealthy family, they must have a desire to work and a sense of social responsibility.

Many Americans' education and cultivation of children's financial quotient begins with bookkeeping. After children have the concept of number, they should clearly record the ins and outs of each pocket money given by their parents, and check their own expenses once a week to see which money should be spent and which money should not be spent. Which money is spent too much, which money should be spent but not spent, and then parents will comment and guide.

Jews: cultivating children's idea of delaying enjoyment

Hu Yanling said that family guidance is very important in financial education. "Parents need to create a certain atmosphere and environment for their children, or set an example and teach themselves some financial knowledge and content."

Jewish financial education may have something to learn from.

The book Seven Secrets of Jews Making Money says: If you like to play, you need to earn your free time, which requires good education and academic performance. Then you can find a good job and earn a lot of money. After earning money, you can play longer and play more expensive toys. If you make a mistake, the whole system will not work normally, and you can only play for a short time. The end result is that you have some cheap toys that will eventually break down, and then you have to work hard all your life, no toys, no happiness. In the real world, toys are cars, houses, clothes, records, dining out and holidays. Obviously, if you can't earn these toys, or pursue them too early, happiness will soon become an unpleasant result.

In Jewish financial education, parents should cultivate the concept of delaying enjoyment for their children. That is, in order to pursue greater returns in the future, I will postpone satisfying my current desires. In the eyes of Jews, it is a sign of delayed enjoyment to invest money in places with future income, such as bank accounts or capital markets. Don't let children spend money on expenses they can enjoy immediately, let them manage their own investments and let them watch their investments increase gradually.

■ Specific financial and business education

American families cultivate children's understanding of money and financial management ability earlier, and the basic requirements of society for children's financial quotient are:

Can recognize coins and banknotes at the age of 3;

When I was 4 years old, I realized that we can't buy all the goods, and we must make choices when buying.

When I was 5 years old, I knew the equivalent of money. For example, I could make a pay phone call for 25 cents. Know how the money comes from;

Can change at the age of 6;

Can read the price tag at the age of 7;

When I was 8 years old, I knew I could make money by doing extra work and learned to save money in a savings account.

At the age of 9, I can make a simple spending plan for a week and know how to compare prices when shopping;

10 years old, know how to save a little money every week to prevent large expenses;

1 1 years old, I learned the fact of spending money from TV advertisements;

12 years old, able to make and implement a two-week expenditure plan, and know how to use banking terminology correctly.