The following is the Consumer financial literacy survey and Analysis Report From People’s Bank of China recommended by recordtrend.com. And this article belongs to the classification: Chinese economy, Consumer research, research report.
The report is divided into five parts. The first to fourth parts qualitatively analyze the basic situation of consumers in four aspects: financial knowledge, financial behavior, financial skills and financial attitude, and describe them from different dimensions such as age, education, income, occupation, gender, urban and rural areas and regions.
The fifth part makes a comprehensive analysis of the overall financial literacy level of Chinese Residents Based on the above four dimensions. From the perspective of international comparison, the financial literacy level of Chinese residents is above the medium level in the world, especially in terms of financial attitude, China has advantages, and there is still a gap in basic financial knowledge.
From the perspective of financial attitude, China’s residents’ emergency savings are relatively sufficient, which not only forms a strong support for the economic recovery under the epidemic, but also one of the manifestations of China’s strong economic resilience. From the perspective of financial knowledge, the public still lacks sufficient understanding of basic financial knowledge such as decentralized investment. The expectation of financial investment income has irrational characteristics, which is easy to produce irrational investment behavior.
From the perspective of key groups, the distribution of Chinese residents’ financial literacy in age presents an inverted “U” shape. The level of financial literacy of the elderly and teenagers is relatively low. “One old and one young” is the focus of financial education.
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