上海交(jiao)通(tong)大學上海高級金(jin)融(rong)(rong)(rong)學院（高金(jin)）與(yu)金(jin)融(rong)(rong)(rong)服(fu)務(wu)機構嘉信理財(cai)聯(lian)合發布(bu)首份《中(zhong)國(guo)居民(min)金(jin)融(rong)(rong)(rong)素(su)(su)養(yang)(yang)報告》，旨(zhi)在(zai)(zai)(zai)更(geng)好地了解中(zhong)國(guo)居民(min)金(jin)融(rong)(rong)(rong)素(su)(su)養(yang)(yang)水平。在(zai)(zai)(zai)此(ci)次評估(gu)中(zhong)，中(zhong)國(guo)居民(min)金(jin)融(rong)(rong)(rong)素(su)(su)養(yang)(yang)平均(jun)總得分為(wei)64.4/100。受訪者(zhe)對收支預算、資產配置結(jie)構等財(cai)務(wu)規(gui)劃知識的(de)掌握度相對較好，且(qie)具有(you)(you)一定(ding)的(de)長期規(gui)劃意識；相比(bi)之下，對于產品(pin)適配性、預防(fang)金(jin)融(rong)(rong)(rong)詐騙等財(cai)務(wu)安全和(he)保障問(wen)題，以(yi)(yi)及貨幣和(he)銀行知識的(de)理解仍有(you)(you)欠缺。青少年和(he)老(lao)年群(qun)體(ti)是金(jin)融(rong)(rong)(rong)素(su)(su)養(yang)(yang)教育和(he)消費權益保護需重點關注(zhu)的(de)潛在(zai)(zai)(zai)弱勢群(qun)體(ti)。收入(ru)水平提高并不能與(yu)金(jin)融(rong)(rong)(rong)素(su)(su)養(yang)(yang)提升劃等號。許(xu)多(duo)受訪者(zhe)也紛紛在(zai)(zai)(zai)調(diao)研中(zhong)表達(da)了對金(jin)融(rong)(rong)(rong)教育的(de)需求和(he)熱情，其(qi)中(zhong)35歲以(yi)(yi)下受訪者(zhe)的(de)學習意愿(yuan)總體(ti)更(geng)高。（財(cai)見）