Parent -child financial business education: the happy life of enlightenment children

■ Zhang Jianping

"The 10 -year -old boy spent 127,000 yuan for a short time for mobile games";

"The third grade boy rewarded 160,000 anchors on a live broadcast platform, and spent all his savings from his parents Yu'ebao";

Native

Articles about "bear children" spending money from time to time appear in various media, so that we have to reflect on the problem of the absence of financial business training in the family education system.

Today, financial and intelligence and IQ and emotional intelligence have been regarded as three basic literacy for modern people. How to carry out wealth education for children and improve their level of financial and business is an important aspect of modern family education.

However, the "White Paper of the National Finance and Business Education" (2022 edition) released by my country pointed out that there is still much room for improvement in national financial business, which naturally includes children.

But the current financial and business education is still relatively weak. According to a survey of students in primary and secondary schools, only 65.9%of students have heard the word "financial business", 32.7%of students know what "financial business" is, 11.6%of students clearly know how to do it to do talents. It is regarded as "high financial business", and 10.1%of classmates have "financial quotient" and "unknown at all."

For parents, most of them value their children's academic performance. They think that as long as they learn well, they will be good. It is a matter of adults to accumulate wealth for the family. It may not be conducive to their growth for children to contact their "wealth" prematurely. Instead, they may form unscientific and incorrect wealth concepts. The lack of financial and business education in the family is evident.

Based on this status quo, some young parents, especially the "post -90s" parents, have begun to pay attention to their children's financial quotient. The view that the "earlier cultivation, the better the financial quotient, the better" is gradually rooted in the hearts of the people. A recent item shows that 70%of parents believe that cultivating children's financial business should be before the age of 11, and less than 10%of parents believe that financial business education should be after 15 years old.

Cultivating children's financial and business ability is an important issue for family education. Financial and business education should be carried out from childhood, so that when facing more wealth in the future, children can be more calm and ease.

In fact, the scientific family parent -child financial business education is an economic education about the world outlook, the outlook on life, the values, the view of happiness, and the wealth. Based on this, we can use the "wealth" as the point of power in the two dimensions of body and mind, and then establish its due position in family education.

To carry out the education of parent -child financial business in the family, children must understand that a happy life comes from the wealth obtained by hard work. So, how should financial quotient cultivate in the family?

The first is to encourage children to act independently. There are many ways to cultivate and exercise children's financial quotient. The more important thing is to let the children act by themselves. For example, parents can encourage their children to obtain wealth by participating in labor, which is a way for children to enhance their awareness of autonomous ability. Parents can also encourage children to take out extra things in exchange for what they need, such as often participating in flea markets and old -fashioned markets organized by schools or communities for ease. In this way, children will have a preliminary understanding of "commodity" exchange.

The second is to allow children to participate in family consumption. Children will "buy" things naturally. I believe that many parents have such experiences: taking the child to go shopping together, the child has to buy this and that, and try everything to get what they want. Therefore, when the child is a little bigger, he can let him participate in family consumption. During family activities and family gatherings, children can be used as family financial stewards, and approve them to do specific things such as budgets, prices, procurement, and bookkeeping, so that children can get a real life experience in practical practice.

The third is to adopt a suitable way for children. When giving children in financial and business education, try to use the simple and easy -to -understand methods that children can accept, such as picture books, animations, games and other forms that children like to make them understand how to dominate money reasonably. "Practice" is also applicable to the cultivation of financial business. Parents need to consciously guide their children to see and feel on the spot. For example, take children to the vegetable market and feel how people get income through labor in a fireworks.

In short, parent -child wealth education focuses on cultivating children's scientific and correct view of wealth on the one hand; on the other hand, it is necessary to focus on guiding children to experience life fun from the specific and vivid practice of wealth, and then allow children to have the ability to continue to create happy life.

(The author is deputy secretary and deputy dean of the Party Committee and Deputy Dean of the Marxism College of Guilin Medical College of Guangxi)

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