中證(zheng)網訊（記(ji)者(zhe)(zhe) 彭揚 趙白執南）央行(xing)網站消息，中國(guo)人(ren)民銀行(xing)9月3日(ri)發布(bu)《消費(fei)者(zhe)(zhe)金(jin)融(rong)素養(yang)調查分析報告（2021）》。結果顯(xian)示(shi)，全國(guo)消費(fei)者(zhe)(zhe)金(jin)融(rong)素養(yang)指(zhi)數為66.81，與(yu)2019年相(xiang)比，提高2.04。

　　報告從消費者的金(jin)(jin)融(rong)知識、行為(wei)、態(tai)度、技能等多角度綜合定性(xing)分析我國消費者的金(jin)(jin)融(rong)素(su)養(yang)情況。總體(ti)上，我國居民(min)在金(jin)(jin)融(rong)態(tai)度上的表現(xian)較好，在金(jin)(jin)融(rong)行為(wei)和技能的不同方面(mian)體(ti)現(xian)出較大的差異性(xing)，還需要進(jin)一(yi)步(bu)提升基礎(chu)金(jin)(jin)融(rong)知識水(shui)平(ping)，老年(nian)人和青少年(nian)的金(jin)(jin)融(rong)素(su)養(yang)水(shui)平(ping)相對較低，“一(yi)老一(yi)少”仍將是金(jin)(jin)融(rong)教育持續關注的重點對象。

　　報(bao)告共分(fen)(fen)為(wei)五個(ge)(ge)部分(fen)(fen)。第一(yi)至第四(si)部分(fen)(fen)定(ding)性分(fen)(fen)析消費者(zhe)在(zai)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)知(zhi)(zhi)識(shi)(shi)(shi)(shi)、金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)行(xing)為(wei)、金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)技能和金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)態(tai)度(du)等(deng)四(si)個(ge)(ge)方(fang)面的(de)基(ji)(ji)本情況，并從(cong)年(nian)(nian)齡(ling)、學(xue)歷、收(shou)入、職(zhi)業、性別、城鄉、地區等(deng)不(bu)同維度(du)進行(xing)描述。第五部分(fen)(fen)基(ji)(ji)于上(shang)述四(si)個(ge)(ge)維度(du)對我國(guo)居(ju)民的(de)整(zheng)體金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)素養(yang)水平(ping)進行(xing)綜合分(fen)(fen)析，從(cong)國(guo)際比較看(kan)，我國(guo)居(ju)民的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)素養(yang)水平(ping)在(zai)全球處(chu)于中等(deng)偏上(shang)水平(ping)，特別是(shi)在(zai)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)態(tai)度(du)方(fang)面我國(guo)具(ju)有優勢(shi)，在(zai)基(ji)(ji)礎(chu)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)知(zhi)(zhi)識(shi)(shi)(shi)(shi)方(fang)面還(huan)有差距。從(cong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)態(tai)度(du)看(kan)，我國(guo)居(ju)民應(ying)急儲蓄較為(wei)充足，對疫情下的(de)經濟(ji)復蘇形成(cheng)有力支撐，也是(shi)我國(guo)經濟(ji)韌(ren)性強的(de)表現(xian)之一(yi)。從(cong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)知(zhi)(zhi)識(shi)(shi)(shi)(shi)看(kan)，公眾(zhong)對分(fen)(fen)散(san)化投(tou)(tou)資(zi)(zi)等(deng)基(ji)(ji)本金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)常識(shi)(shi)(shi)(shi)仍缺乏足夠的(de)認識(shi)(shi)(shi)(shi)，對金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)投(tou)(tou)資(zi)(zi)收(shou)益的(de)預(yu)期具(ju)有非理(li)性特征(zheng)，容易(yi)產生(sheng)非理(li)性的(de)投(tou)(tou)資(zi)(zi)行(xing)為(wei)。從(cong)重點群體看(kan)，我國(guo)居(ju)民金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)素養(yang)在(zai)年(nian)(nian)齡(ling)上(shang)的(de)分(fen)(fen)布呈現(xian)倒“U”型，老年(nian)(nian)人(ren)和青(qing)少年(nian)(nian)的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)素養(yang)水平(ping)相對較低(di)，“一(yi)老一(yi)少”是(shi)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)教育持續關(guan)注(zhu)的(de)重點。