从“义利之辨”到“幸福之道”：中国文化背景下家庭财经素养教育的价值体系与路径研究

From the “Debate on Righteousness and Profit” to the “Path of Well-Being”: A Study on the Value System and Paths for Family Financial Literacy Education in the Chinese Cultural Context

摘要: 在我国居民家庭债务攀升与财富焦虑日益凸显的背景下，当前侧重于知识与技能的财经素养教育尚不足以有效提升家庭的整体幸福感。本研究旨在回应这一现实困境，尝试从中国本土文化视角出发，构建一套以家庭幸福为最终导向的财经素养教育价值体系。研究采用理论思辨与体系建构的方法，创造性地转化中国传统哲学中的“义利之辨”核心思想，并将其作为审视现代家庭财经生活的文化基石。研究认为，财经素养教育的根本目标应实现从“财富最大化”到“家庭福祉优先”的范式转换。基于此，本研究构建了一个包含三大核心维度的价值体系：一是以“审慎稳健”为内核，追求财务健康的“义”；二是以“和谐共享”为依归，实现家庭关系的“利”；三是以“长远发展”为目标，探索代际传承的“道”。该价值体系将实现财务健康的技术性目标与促进家庭幸福的人文性目标有机地统一起来。最后，本研究从宏观(国家政策与社会环境)、中观(学校教育与社区协同)和微观(家庭内部实践)三个层面，探索了该价值体系的实现路径，以期为我国财经素-养教育的本土化发展提供有益的理论参考与实践指引。

Abstract: Against the backdrop of rising household debt and increasing wealth anxiety in China, the current financial literacy education, with its emphasis on knowledge and skills, is proving insufficient to effectively enhance family well-being. This study aims to respond to this dilemma by constructing a value system for financial literacy education oriented towards family well-being, from a native Chinese cultural perspective. Employing a non-empirical approach of theoretical analysis and system construction, this research creatively transforms the core ideas of the traditional Chinese philosophical “Debate on Righteousness and Profit”, using it as a cultural cornerstone to examine modern family financial life. The study argues that the fundamental goal of financial literacy education should undergo a paradigm shift from “wealth maximization” to “prioritizing family well-being”. Based on this premise, the study constructs a value system comprising three core dimensions: 1) Prudence and Stability, pursuing the “Righteousness” of financial health; 2) Harmony and Sharing, achieving the “Profit” of family relationships; and 3) Long-term Development, exploring the “Path” of intergenerational inheritance. This value system organically integrates the technical goal of achieving financial health with the humanistic objective of promoting family happiness. Finally, the study explores the implementation paths for this value system at the macro (national policy and social environment), meso (school education and community collaboration), and micro (internal family practice) levels, aiming to provide theoretical reference and practical guidance for the localized development of financial literacy education in China.