家庭财商教育需求现状调查研究

Research on the Current Status of Family Financial Literacy Education Needs

摘要: 为精准把握当前家庭财商教育的现实状况与多元需求，本研究采用问卷调查法，面向不同年龄、学历、收入层次的224名受访者展开调研，涵盖18岁以下青少年、18~25岁青年、成年家庭群体及60岁以上老年群体。通过对储蓄习惯、投资认知、保险配置、消费行为及财商教育需求等维度的数据梳理，揭示出当前家庭财商教育存在知识体系碎片化、年龄适配性不足、教育渠道单一、风险防范意识薄弱等问题。研究发现，不同群体财商能力差异显著，青少年储蓄意识初显但实践能力不足，青年群体投资需求强烈但专业知识匮乏，成年家庭重视资产配置但规划能力欠缺，老年群体面临诈骗风险且金融信息获取渠道受限。基于此，从宏观政策支持、中观资源整合、微观能力提升三个层面提出优化路径，为构建分层、分类、高效的家庭财商教育体系提供实证依据与实践参考。

Abstract: To accurately grasp the current realities and diverse needs of family financial literacy education, this study employs a questionnaire survey method, targeting 224 respondents across different age groups, educational backgrounds, and income levels. The survey covers four demographic segments: adolescents under 18, young adults aged 18~25, adult family groups, and elderly individuals over 60. By analyzing data across dimensions such as savings habits, investment awareness, insurance allocation, consumption behavior, and financial literacy needs, the study reveals issues in current family financial literacy education, including fragmented knowledge systems, inadequate age adaptability, limited educational channels, and weak risk prevention awareness. The findings indicate significant disparities in financial literacy capabilities among different groups: adolescents exhibit emerging savings awareness but lack practical skills, young adults demonstrate strong investment demand but insufficient professional knowledge, adult families prioritize asset allocation yet fall short in planning capabilities, and elderly groups face scam risks with restricted access to financial information. Based on these insights, the study proposes optimization strategies from three levels—macro policy support, meso resource integration, and micro capability enhancement—to provide empirical evidence and practical references for building a hierarchical, categorized, and efficient family financial literacy education system.