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  上海4月19日电(高志苗)上海交通大学上海高级金融学院(高金)19日与全球领先的金融服务机构嘉信理财(CharlesSchwab)联合发布第三年度《中国居民金融素养报告》(以下简称《报告》)。《报告》指出,连续三年的数据显示,中国居民的金融活动参与度不断提升,且参与金融行为数量越多的受访者金融素养往往越高。

  2024年的调研显示,中国居民金融素养整体得分为71.8分,相比2023年的68.7分继续提升,这一结果可能源于高学历人群占比较往年提高、低分群体补足基础金融知识短板、居民金融风险防范意识提升等多重因素。从群体细分来看,性别、年龄、学历、收入等各个群体的平均得分在过去三年中均有所提高或维持不变,且地区差异逐渐缩小。

  投资类行为对金融素养的推动作用尤为突出,具有金融投资经验的居民在各维度的金融素养指标均高于全国平均水平。据悉,此次《报告》还新增对活跃证券投资者的调研,通过与国内某头部券商合作发放相同的金融素养问卷,并将其结果与全国居民样本进行对比分析。调研结果也印证了金融素养与金融实践之间在多个层面的正向反馈。

  一方面,长期金融实践对金融素养具有提振作用。证券投资者在全部六个金融素养维度上的得分均高于全国居民样本,在与投资相关的维度以及考察金融实践能力的问题中表现尤为突出。此外,全国居民的金融素养水平在不同年龄、性别和学历群体之间呈现出的差异性在证券投资者样本中明显减弱,表明坚持金融参与可以部分弥合金融素养的群体差异。

  与此同时,金融素养提升也有助于投资者践行理性、健康的投资行为。例如,高金融素养人群总体持仓时间更长,高分样本对同一标的持仓超过一年的比例为57%,而低分样本仅为45%。在提升多元化配置、减少投机偏好方面,金融素养得分较高的受访者表现也整体好于得分较低的群体。

  项目牵头人、高金教授吴飞介绍,金融素养提升有助于更理性地金融实践,实践经验的积累反过来又能提高解决复杂金融问题的能力。因此,针对不同群体的实践需要提供针对性的金融素养教育,打造立体化的居民金融素养提升体系。例如,对于金融参与高频且复杂的证券投资群体而言,可以增加对投资纪律、风险收益平衡等知识的宣教,加强风险提示,从而帮助其规避过度投机的行为。

  嘉信理财(上海)总经理托马斯·皮克斯利(ThomasPixley)表示,财务规划能为个人和家庭的财富健康带来积极而显著的变化,而为养老做准备往往是普通居民关注财务规划的首要驱动力。此次的调研结果传递了积极信号,持续普及金融素养教育能为居民深化以养老等目标为导向的财务规划和投资储蓄打下坚实基础。在此基础上,行业可以优先聚焦青壮年群体的财务规划需求,提升其规划意识,并逐步延伸至一老一少的“短板”群体。(完)新闻结尾 真千金只想修道,海量剧集随心所欲,轻松追剧不停歇!的相关文章
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