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学校如何提高金融素养？

2026年7月8日 14:00 33 Comments
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一位美国银行家协会高管表示，更多的公私合作伙伴关系和实践经验至关重要。

来源:K-12 Dive

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Financial literacy is foundational to a person’s ability to navigate life, including everyday decisions about budgeting, savings, credit and, increasingly, the ability to protect oneself from fraud, said Lindsay Torrico, senior vice president of bank community engagement at the American Bankers Association.

“Americans are making day-to-day decisions about these financial issues,” said Torrico, who is also executive director of the ABA Foundation, the association’s nonprofit charitable arm. “Many of them are one unexpected expense away from financial hardship. Early financial education is really critical. It is one of the most effective ways to build long-term stability.”

In April, the ABA Foundation submitted comments to the U.S. Treasury, including its recommendations for how banks can play a role in updating the national strategy for financial literacy. ABA 基金会的建议包括：

  • Strengthening public-private partnerships to improve locally tailored solutions offered by school systems.
  • Modernizing financial literacy to address current economic realities like income volatility, growing debt burdens, housing affordability issues, and more complex financial products.
  • Expanding from a narrow “financial literacy” framework to a “financial health” approach that considers cash flow stability, debt sustainability, early intervention, and financial counseling.
  • 推广青年投资和早期财富积累的工具。
  • Providing more attention to scam and fraud prevention education.
  • Guiding consumers, particularly teens and young adults, on emerging financial products and technologies such as crypto-assets and digital wallets.

    • In a 2025 ABA survey, 87% of respondents said they support financial literacy education in schools. Torrico said schools and districts can play three different roles:

  • Integrate financial education into core subjects, especially mathematics.
    • 自动 音频 decisions about 积累的 工具 推广 financial 包括 生成 财富 建议 ABA said 基金会 Torrico 投资 including education literacy ability