知易行难：学校金融教育项目的系统评价

摘要/Abstract

摘要： 金融作为现代经济发展的重要力量，在促进经济发展的同时，也产生了大量的经济风险。以学校为基础的金融教育可以传授基础的金融知识，指导学生正确的金融行为，培养良好的金融态度，进而提高个人在未来作出最佳金融决策的能力，被视为提高公民金融素养的有效途径。文章基于5个国家15个儿童和青少年金融教育干预项目的系统评价，探究金融教育在充实金融知识及改善金融行为方面的应用效果，分析有效金融教育课程设计的关键特征，并探讨金融社会工作者未来如何将循证研究应用于金融教育干预项目。研究发现：首先，以学校为基础的金融教育项目能够有效提升青少年的金融知识及改善其金融行为；其次，金融教育项目对儿童和青少年实际金融行为的影响较小；最后，“体验式学习”、项目课程标准化、教师培训规范化以及家校融合项目更能有效提升中小学儿童和青少年的金融素养。

关键词: 学校金融教育, 金融知识, 金融行为, 金融态度

Abstract: As a major impetus for modern economic development, finance boosts economic growth while producing a myriad of economic risks. School-based financial education can provide basic financial knowledge, guidelines on financial behavior and foster an excellent financial attitude, thus strengthening individuals’ ability to make the best financial decisions in the future. Therefore, it is regarded as an effective way to improve citizens’ financial literacy. This study conducts a systematic review of 15 intervention projects in terms of children and adolescents’ financial education, of which the contents include researches on financial education application in enriching financial knowledge and improving financial behavior, analyses on key features of the efficient education curriculum design, and discussions on how financial social workers can apply this evidence-based research to the intervention projects in the future. The findings are as follows: Firstly, school-based financial education projects can effectively facilitate adolescents’ financial knowledge and behavior. Secondly, these projects exert a relatively slight impact on children and adolescents’ actual financial behavior. Finally, “experiential learning,” normalized curriculum and teacher training, and home-school integration projects can effectively promote the financial literacy of children and adolescents in primary and secondary school.

Key words: school-based financial education, financial knowledge, financial behavior, financial attitude

中图分类号:

C916

张君安, 刘东, 姚瑀菲. 知易行难：学校金融教育项目的系统评价[J]. 社会工作与管理, 2023, 23(1): 43-52.

ZHANG Junan, LIU Dong, YAO Yufei. Easier Said than Done: A Systematic Review of School-Based Financial Education Projects[J]. SOCIAL WORK AND MANAGEMENT, 2023, 23(1): 43-52.

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