Li Peng, CEO of Qixue Academy: Increasing financial literacy must not only supplement financial knowledge, but also change cognition and mind

Cover Journalist Lei Qiang

At present, my country's financial markets are developing at a high speed, and the scale of financial markets continues to expand. Compared with it, the overall level of national financial literacy is low and slower.

On July 18, Li Peng, the founder of the Quantum Song Group and CEO of Qixue Academy, said in Beijing that building a benign financial market system is a huge systematic project. Whether financial consumers have sufficient financial literacy, for promoting the construction of the financial ecosystem construction It is important to build a complete closed loop in the financial market.

Li Peng introduced that in the past three years since entering the financial and business track, Qixue Academy has focused on the popularization of financial and business knowledge, and has helped the national financial literacy improvement in all aspects. As of the end of June 2022, the cumulative service users have exceeded 49 million. He said that improving financial literacy is a long -term process, not only to supplement everyone’s financial knowledge, but also to change cognition and mind. I hope to use the platform to gradually help the public deepen the depth and breadth of financial knowledge learning, so that more users can master the investment and financial management behind investment and financial management Logic, thereby avoiding financial risks more effectively.

In recent years, with the large number of new financial management methods and the launch of fund products, the awareness of residents' asset allocation has gradually increased, and competition in the field of financial and business education has also entered a fierce stage. Data show that since this year, the National Internet Information Office's anti -fraud center has investigated 878,000 fraudulent websites, APPs were 1.73 million, and 75,000 cross -border calls were. It is not difficult to see that improving national financial literacy and helping people strengthen the ability of financial risk recognition. So, what are the current development dilemma of the industry? What are the aspects of the financial literacy improvement of vulnerable groups?

In this regard, Yang Tao, deputy director of the National Financial and Development Laboratory of the Chinese Academy of Social Sciences, believes that improving the value of national finance has two levels of value. One is that under the great change, mastering sufficient financial knowledge can ensure that your own situation will not deteriorate; It is possible to obtain future returns through scientific financial methods.

The associate professor of Wudaokou Financial College of Tsinghua University and the deputy director of the China Insurance and Pension Research Center explained to this. He added that the process of improving the financial literacy was actually the process of learning, but learning should not be limited to financial knowledge, but also included it in For your own learning, understand your lack and shortcomings, and your own risk preferences, so as to build an investment goal that suits you.

Dr. Li Zhen, director of the research department of the Beijing Institute of Finance Technology, stated that national financial literacy is closely related to the health and health of the whole society. From a macro perspective, behind the strong willingness to participate in financial activities is the embodiment of the people's pursuit of a better life; from the perspective of the view, the financial ecosystem is a huge ecosystem, and the development of financial enlightenment education can help form in the whole society for formation "Community of financial literacy" requires more and more institutions to participate, and perform their duties and work together; from a micro perspective, the publicity and education of financial knowledge has also established a mirror for the public, allowing people to see their shortcomings. , Recognize the risks around you.

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