The financial intelligence education system for American teenagers

下面为大家整理一篇优秀的assignment代写范文- The financial intelligence education system for American teenagers，供大家参考学习，这篇论文讨论了美国的青少年财商教育体系。在美国，财商已成为继智商、情商之后又一被广泛认同的现代社会公民必备的基本素养之一。美国对青少年财商教育尤其重视，是其国家战略的一部分，目前已经基本形成政府为主导，学校教育、家庭教育相配合的三位一体教育体系，同时也取得了明显的教育成效。

It is necessary to learn from the advanced experience of financial education in developed countries. The United States attaches great importance to financial and business education for young people as part of its national strategy. At present, the government has basically formed a trinity of education system with school education and family education as the leading role, and obvious educational achievements have been made.

Financial Intelligence Quotient was first proposed by Robert t. kiyosaki, a famous investment educator, in his book rich dad and poor dad. Financial intelligence education for teenagers is an important part of quality education. It can not only help teenagers acquire comprehensive financial knowledge and skills, develop good financial habits, and set up a correct view of wealth, but also contribute to the stability and harmony of families and communities, and promote the establishment of a vibrant financial and economic system.

Goods business education of teenagers in our country, however, there are serious lack, lead to many misconceptions on the concept of wealth, many young people are caused by a lack of management ability of wealth, a "shopping", "the moonlight clan", "card slave" wait for a phenomenon, due to the blind to participate in the network financial loans even article "naked" mortgage, violence, collection, and is forced to commit suicide. Therefore, it is necessary for us to learn from the advanced experience of financial and business education in developed countries. This paper will introduce and analyze the financial intelligence education system of American teenagers from three aspects: the American government, schools and families.

In 2003, the United States passed the Financial Literacy and Education Improvement Act, and congress approved the establishment of the national Financial Literacy and Education Improvement Act. The committee is made up of 22 government departments, chaired by the secretary of the Treasury, vice chairman by the director of the consumer financial protection bureau, and members of the Treasury Department, the federal reserve, the national credit agency administration, the securities and exchange commission, the department of education, the department of labor and other key government functions. The act explicitly establishes the "financial literacy and education commission" with the aim of "improving the financial literacy and education of all Americans through the formulation and implementation of relevant national strategies". The committee has five responsibilities:

To formulate national strategies to promote the financial quality and educational level of all Americans;

Coordinate, promote and strengthen projects and resource support related to financial quality and education improvement, provide relevant materials for the government, and provide relevant courses nationwide;

Develop a national financial education website to collect and coordinate information on financial literacy and education promotion;

To set up a national toll-free telephone to answer public questions on financial literacy and education;

Promote cooperation among national, state, and local governments, nonprofit organizations, and private enterprises in financial literacy and education.

In 2012, the committee on Financial literacy and education made clear its current strategic priority -- Starting Early for Financial Success. This strategic focus is determined because the U.S. government fully recognizes the critical importance of providing American teenagers with basic financial knowledge and learning to deal with a complex financial system. Manage their expenses and borrowing in a planned way; Learn to save and invest for long-term goals; Monitor their credit reports and scores; Judge the fairness and risk of various credit terms; Meet their personal financial goals in the face of unforeseen financial difficulties.

The council on financial literacy and education believes that by helping young Americans acquire financial knowledge and skills and develop good financial habits, the healthy development of American families and communities can be strengthened, opportunities can be created for future youth mobility, and a more vibrant and dynamic economic system can be promoted. In recent years, the committee's main areas of work in financial intelligence education for young people are:

The council is committed to developing information, guidance and tools for financial intelligence education for schools, families and other businesses. Through the development and provision of these resources, educational institutions and educators can carry out financial intelligence education activities more effectively. For example, the Money Smart financial intelligence education project, organized by the committee, has developed a financial intelligence education package for different age groups and is available in nine languages. The program can also guide young entrepreneurs to acquire financial knowledge and skills related to business operations.

A 2012 study by the U.S. Treasury and department of education found that middle-class children who received higher education were 75 percent more likely to move up the economic ladder. But the rising cost of higher education also places a heavy burden on these children. According to a 2012 survey, the average American college student with a bachelor's degree has a $10,000 loan.

In view of the above situation, the committee has adopted a series of projects to help teenagers optimize their financial planning after receiving higher education, such as providing information about college student loans in a package, creating free application channels, and promoting the exchange and communication of optimizing loan plans and structures. During the tax application period in 2013, the committee provided Suggestions to college students on optimization schemes that could reduce loan repayment based on the tax declaration of college students' families.

Getting one's first job is an important point in financial education. The council has launched a series of programs aimed at helping new hires learn to manage debt, establish credit obligations, and prepare early to save and invest for retirement or other long-term goals.

The commission is also working with the securities and exchange commission on a new employee investment education program that will help young people invest more and better utilize their existing retirement plans.

The committee is also committed to the collection and collation of fact-based policies and implementation programmes to promote research and evaluation in financial intelligence education. In May 2012, the committee identified and announced nine major research topics in financial education, which were updated in 2013. This measure can help relevant departments and experts to make more targeted research and more effective use of limited resources.

In addition to the financial literacy and education commission, other relevant us government departments also actively organize various financial intelligence education activities.

Because the U.S. library network connects all communities across the country, it is a convenient platform and channel to promote financial and business education. Relevant government departments introduce rich financial education resources to communities and families through the library network. At present, 360 major libraries and their 1,700 branches in 48 states provide the best financial education materials for the society. Government departments regularly host national financial intelligence campus challenge competitions and organize visits to the federal reserve bank, among other activities. Organize lectures, information manuals, promotional materials or cd-rom to publicize the general public, and organize visits to monetary museums and other activities to carry out financial business education.

The passage of the amendment to the federal primary and secondary education act marks the official incorporation of financial intelligence education into the school curriculum by the federal government. Since then, many states have passed laws to make financial intelligence a compulsory part of 12-year school education.

Goal management is also widely used in financial intelligence education in schools. The education goal of 3-4 years old is to recognize notes, COINS and their value, and know that money is not infinite. Ages 5-6 know the source of money and its general equivalent; 7-8 years old to understand the truth of labor money, began to save; 9-10 years old learn to keep accounts and make financial budget plan; From 11 to 12 years old, I began to understand the finance in life, such as judging the authenticity of advertisements and understanding the terms used in communication with Banks. 12 years old to graduate from high school, the child began to learn investment and financial management, the use of spare time to earn money, for the future into the society to make full preparation.

Financial intelligence courses offered by American schools are diversified. For primary and secondary school students, the courses include: money management for teenagers, financial planning for life, balance of savings, consumption and investment, personal budget management and financial decision-making, implementation of financial planning projects, etc.

The financial intelligence education activities in American schools are rich and colorful, among which the on-the-job training activities for teachers are worth mentioning. Financial intelligence education workshops for teachers are usually held at universities specializing in finance, where experts in financial theory and practice are invited to teach. Case teaching and thematic teaching are widely adopted forms in which financial knowledge and skills need to be taught. The teacher first explains, then guides and guides the student to design the teaching content and activity mode according to the corresponding knowledge, so as to achieve the training goal more effectively.

A 2011 study in the United States found that the earlier parents start educating their children about financial literacy, the more likely they are to be financially literate as adults, with higher credit scores and lower credit card risk. Based on this, the CFPB provides online resources specifically for parents of American families. Parents can select relevant information and materials according to their children's different ages, and conduct targeted financial intelligence education for their children according to the guidance on the website.

Thanks to the effective government guidance and abundant resources, most American children have the opportunity to receive life-related financial education, so that they have a certain financial awareness and basic wealth management ability since childhood. The financial literacy and education commission's youth savings programme, for example, allows children, under parental guidance, to open a safe and low-cost student bank account at an early age. This kind of experiential learning is the most effective way to teach children financial skills and help them build good financial habits.

As a country of immigrants, the United States is relatively open in social culture and not conservative in lifestyle. Therefore, American parents hope their children can understand the relationship between independence, diligence and wealth at an early age, attach great importance to their children's financial intelligence education, and regard it as their children's "happy life plan from the age of 3".

In short, in the United States, financial intelligence has become one of the basic qualities that are widely recognized as necessary for modern citizens after IQ and eq. As a part of its national strategy, the United States pays special attention to the financial and business education of teenagers. At present, a trinity education system with the government as the leading force and the cooperation of school education and family education has been basically formed, with obvious educational achievements, which is worthy of our earnest study and reference.

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