论基于核心素养视角的财经素养教育
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摘要
对财经信息进行理性分析和决策成为当今社会个体生存和发展必不可少的核心能力。以培养该能力为核心的财经素养教育已成为当前国际教育发展的热点之一。本文从发展核心素养的实践创新素养出发,对发展核心素养框架下的财经素养教育定位进行了深入分析,指出财经素养教育是发展实践创新素养的有效载体,同时,实践创新素养的培养要求也为财经素养教育提供了发展方向。本文归纳总结了财经素养的发展沿革、基本内涵和特征,提出了系统的财经素养整合理论框架。并结合我国学生发展核心素养的教育改革方向,提出财经素养教育的实施建议。
Making decisions based on rational analysis of financial information has become an indispensable core competency for an individual to survive and develop in today's society.Therefore,the financial literacy education has become one focus in the development of education globally.This paper starts from the practice and innovation dimensions of core competency,makes a comprehensive analysis of its position in the core competency frame,and points out that financial literacy education is an effective carrier for practice and innovation competencies.At the same time,the cultivation requirements also provide an orientation for developing the financial literacy education.This paper summarizes the development history,basic connotation and characteristics of financial literacy,and puts forward a systematic and integrative theoretical framework.Combining with education reform to develop core competency,this paper provides some suggestions on the implementation of financial literacy education.
Making decisions based on rational analysis of financial information has become an indispensable core competency for an individual to survive and develop in today's society.Therefore,the financial literacy education has become one focus in the development of education globally.This paper starts from the practice and innovation dimensions of core competency,makes a comprehensive analysis of its position in the core competency frame,and points out that financial literacy education is an effective carrier for practice and innovation competencies.At the same time,the cultivation requirements also provide an orientation for developing the financial literacy education.This paper summarizes the development history,basic connotation and characteristics of financial literacy,and puts forward a systematic and integrative theoretical framework.Combining with education reform to develop core competency,this paper provides some suggestions on the implementation of financial literacy education.
引文
林崇德.(2016).21世纪学生发展核心素养研究.北京:北京师范大学出版社.
Fernandes,D.,Lynch Jr.,J.G.,& Netemeyer,R.G.(2014).Financial literacy,financial education,and downstream financial Behaviors.Management Science,60(8),1861-1883.
Holzmann,R.,Mulaj,F.,& Perotti,V.(2013).Financial Capability in Low-and Middle-income Countries:Measurement and Evaluation.Washington:World Bank.
Huston,S.J.(2010).Measuring financial literacy.Journal of Consumer Affairs,44(2),296-316.
Jump$tart Coalition.(2015).National standards in K-12 personal finance education.4rd edition.Washington DC:Jump$tart Coalition.http://www.jumpstart.org/guide.html.
Kruger,J.,& Vargas,P.(2008).Consumer confusion of percent differences.Journal of Consumer Psychology,18(1),49-61.
Netemeyer,R.G.,Warmath,D.,Fernandes,D.,& Lynch Jr.,J.G.(2017).How Am I Doing?Perceived financial well-being,its potential antecedents,and its relation to overall well-being.Journal of Consumer Research,45(1),68-89.
OECD(2016),PISA 2015 Assessment and Analytical Framework:Science,Reading,Mathematic and Financial Literacy,Paris:PISA,OECD Publishing.
Yoong,J.,Mihaly,K.,Bauhoff,S.,Rabinovich,L.,& Hung,A.(2013).A Toolkit for the Evaluation of Financial Capability Programs in Low-,and Middle-Income Countries.Washington:International Bank for Reconstruction and Development.
Fernandes,D.,Lynch Jr.,J.G.,& Netemeyer,R.G.(2014).Financial literacy,financial education,and downstream financial Behaviors.Management Science,60(8),1861-1883.
Holzmann,R.,Mulaj,F.,& Perotti,V.(2013).Financial Capability in Low-and Middle-income Countries:Measurement and Evaluation.Washington:World Bank.
Huston,S.J.(2010).Measuring financial literacy.Journal of Consumer Affairs,44(2),296-316.
Jump$tart Coalition.(2015).National standards in K-12 personal finance education.4rd edition.Washington DC:Jump$tart Coalition.http://www.jumpstart.org/guide.html.
Kruger,J.,& Vargas,P.(2008).Consumer confusion of percent differences.Journal of Consumer Psychology,18(1),49-61.
Netemeyer,R.G.,Warmath,D.,Fernandes,D.,& Lynch Jr.,J.G.(2017).How Am I Doing?Perceived financial well-being,its potential antecedents,and its relation to overall well-being.Journal of Consumer Research,45(1),68-89.
OECD(2016),PISA 2015 Assessment and Analytical Framework:Science,Reading,Mathematic and Financial Literacy,Paris:PISA,OECD Publishing.
Yoong,J.,Mihaly,K.,Bauhoff,S.,Rabinovich,L.,& Hung,A.(2013).A Toolkit for the Evaluation of Financial Capability Programs in Low-,and Middle-Income Countries.Washington:International Bank for Reconstruction and Development.