亿电竞

finance service
The亿电竞平台 people's Bank of China亿电竞平台 released the亿电竞 investigation report on consumer financial literacy in 2019
Time: 2019/8/1 10:31:39

Source: Financial Times - China亿电竞平台 Financial News Network Author: reporter Li Guohui Release date: 07:15, August 1, 2019

According to the亿电竞 survey report on consumer financial literacy in 2019 released by the亿电竞 central bank on July 31, the亿电竞 average score of the亿电竞 national consumer financial literacy index is 64.77. The亿电竞平台 report is released every two years. The亿电竞平台 first report released in 2017 shows that the亿电竞 average score of the亿电竞 national consumer financial literacy index is 63.71. Compared with 2017, the亿电竞 overall consumer financial literacy has slightly improved. Since 2017, the亿电竞 financial literacy level of consumers in the亿电竞 eastern, central and western regions has maintained a pattern from high to low.

Financial market stability is the亿电竞 cornerstone of good consumer education. In order to accurately grasp the亿电竞 level of consumer financial knowledge and the亿电竞 weak links in the亿电竞 field of financial consumer education, evaluate the亿电竞 effectiveness of financial consumer education, and furthe亿电竞r improve the亿电竞 popularization of financial knowledge, the亿电竞 people's Bank of China亿电竞平台 established a questionnaire survey system of consumer financial literacy in 2016. In 2017, a questionnaire survey on consumer financial literacy was conducted in 31 provincial administrative units (except Hong Kong, Macao and Taiwan) every two years. In 2019, in order to carry out the亿电竞 second comprehensive questionnaire survey on consumer financial literacy, 600 financial consumers were randomly selected from each provincial administrative unit for questionnaire survey, with a total of 18600 samples in China亿电竞平台.

Yin Youping, deputy director of the亿电竞 financial consumer rights and Interests Protection Bureau of the亿电竞 people's Bank of China亿电竞平台, said at the亿电竞 briefing held on the亿电竞 same day that the亿电竞 popularization of financial knowledge and the亿电竞 improvement of consumers' financial literacy is a basic, long-term and systematic project, which can enable consumers to better enjoy the亿电竞 convenience brought by modern finance, and can also curb the亿电竞 occurrence of financial risks from the亿电竞 source, and truly protect the亿电竞 people's money bags.

The亿电竞平台 survey comprehensively analyzes the亿电竞 financial literacy of Chinese consumers from the亿电竞 perspectives of consumers' attitude, behavior, knowledge and skills.

From the亿电竞 perspective of consumer attitude, the亿电竞 overall situation of consumers in terms of financial attitude is better, most groups can realize the亿电竞 importance of financial knowledge popularization and financial education on campus, pay more attention to personal credit; the亿电竞 willingness to delay consumption is slightly decreased, that is, the亿电竞y are more inclined to immediate consumption, and the亿电竞 willingness of full-time students to delay consumption is the亿电竞 lowest.

In this regard, Wu Yue, director of the亿电竞 Financial Education Department of the亿电竞 financial consumption rights protection bureau of the亿电竞 people's Bank of China亿电竞平台, reminds college students to establish the亿电竞 concept of normal consumption and avoid excessive consumption and blind consumption.

From the亿电竞 perspective of consumer behavior, on the亿电竞 whole, consumers' financial consumption behavior needs to be strengthe亿电竞ned. The亿电竞平台y have better performance in reading contract terms, saving for children's school and password protection behavior when using ATM; the亿电竞ir behavior in planning and implementing family expenditure, understanding of bills, and credit card repayment needs to be furthe亿电竞r strengthe亿电竞ned.

From the亿电竞 perspective of consumer financial knowledge level, consumers have a certain grasp of financial knowledge as a whole, with a high accuracy rate of more than 60% in bank card, savings and credit knowledge; the亿电竞 knowledge level in loan, investment, insurance and othe亿电竞r aspects needs to be improved, and the亿电竞 mastery degree of various financial knowledge among different groups is quite different.

From the亿电竞 perspective of consumer financial skills, on the亿电竞 whole, consumers have a relatively good grasp of the亿电竞 rights and obligations of financial contracts, product risks and benefits, and counterfeit currency treatment. The亿电竞平台y also have a certain mastery of the亿电竞 identification of illegal investment products and channels, and the亿电竞 comparison of financial products and services. However, in terms of the亿电竞 crown number function and the亿电竞 use of bank cards, it is necessary to strengthe亿电竞n the亿电竞 anti-counterfeiting features of the亿电竞 new version of RMB The亿电竞平台 level of mastering symptoms needs to be improved.

From the亿电竞 perspective of financial card, credit card, credit card and knowledge card, the亿电竞 top five types of consumer interest are bank, credit card, knowledge bank and so on.

The亿电竞平台 report also analyzes the亿电竞 impact of digital technology on consumer financial literacy. The亿电竞平台 report points out that the亿电竞 overall impact of digital technology on consumer financial literacy is positive, which can be summarized as promoting and lagging effects. First, young people, high education, full-time students and full-time, high-income, urban hukou groups can give full play to the亿电竞 role of digital technology, use it to easily understand and use financial products and services, so as to improve the亿电竞ir financial literacy, which is manifested in promoting effect; second, the亿电竞 elderly, low education, low-income, rural Hukou groups have not fully benefited Lack of confidence in digital literacy, resulting in a lack of technology.

Through the亿电竞 investigation, the亿电竞 report draws the亿电竞 following conclusions: first, we should continue to track the亿电竞 changes of consumers' financial literacy, so as to provide an important basis for the亿电竞 overall development of financial education; second, we should continue to pay attention to the亿电竞 financial literacy level of key groups and regions, carry out appropriate financial education activities combined with the亿电竞 characteristics of the亿电竞 group, focus on improving the亿电竞 financial knowledge and skills of consumers, and improve the亿电竞 financial quality of consumers Thirdly, we should actively respond to the亿电竞 challenges brought by digital technology, and develop more financial and educational tools to adapt to the亿电竞 digital age and demographic changes by using the亿电竞 excellent characteristics of digital technology.

 
return