Study On The Current Situation And Influencing Factors Of Financial Literacy Of Junior Middle School Students

Driven by the technological revolution,the world economy has gradually globalized,the financial market has becoming increasingly mature,and the financial product has been constantly diversified.This development trend has put forward higher requirements for citizens' financial literacy.The level of financial literacy directly affects the living standards of citizens,and has become one of the essential core literacy for people's survival and development.In addition,driven by the steady growth of GDP,the income of residents has also increased,and the amount of pocket money for teenagers has also increased significantly compared with the past.At the same time,the financial problems of teenagers also follow,such as blind comparisons,profligacy and waste can be seen everywhere.Therefore,in the stage of compulsory education,it is very necessary to improve the personal financial literacy of teenagers and establish a positive view on money,consumption and values,which will help them to manage their wages reasonably,deal with the financial problems properly and avoid financial crisis after entering the work.However,at present,our country does not offer independent finance and economics courses in the stage of compulsory education,and a small part of finance and economics contents were integrated with other subjects(such as mathematics).Especially in the junior high school stage,the study of finance and economics knowledge pays more attention to the cultivation of moral education,lacking of specialized financial literacy education.It can be said that the financial literacy education of junior high school students in our country is still in the exploratory stage,and it is urgent to conduct a systematic research on it.Based on the mentioned above,this study uses the index system of PISA financial literacy to compile a questionnaire for financial literacy of junior high school students and analyzing the current status and influencing factors of junior high school students' financial literacy using the interviews method.Finally,based on the results of this study,we summarized and put forward specific suggestions for improving the financial literacy education of junior high school students,hoping to improve the financial literacy level of junior high school students.The main conclusions are summarized as follows:(1)The financial literacy level of junior high school students is at the middle level,whose value corresponds to ?3.10.The levels of content dimension,situation dimension and the process dimension level shows downtrend in turn.(2)The financial literacy level of junior high school students has obvious differences in gender.The levels of content dimension,situation dimension and the process dimension level of boys are higher than those of girls.(3)The key factors affecting the financial literacy of junior high school students including: 1)from the family level,the educational background of parents,the daily financial literacy education to the child,the amount of monthly pocket money;2)from the school level,the willingness of teachers,class activity,school activity,teaching material;3)from the social levels,the environment outside school such as community,the lectures provided by financial institutions,the financial activities organized by the non-governmental group.In response to the above influencing factors,this study puts forward suggestions to improve the financial literacy of junior high school students: promote the establishment and implementation of financial and economic literacy courses in schools;optimize the home-school cooperation path for cultivating students' financial and economic literacy;close community cooperation and organize students to participate in diversified financial activities.