论基于核心素养视角的财经素养教育

对财经信息进行理性分析和决策成为当今社会个体生存和发展必不可少的核心能力。以培养该能力为核心的财经素养教育已成为当前国际教育发展的热点之一。本文从发展核心素养的实践创新素养出发,对发展核心素养框架下的财经素养教育定位进行了深入分析,指出财经素养教育是发展实践创新素养的有效载体,同时,实践创新素养的培养要求也为财经素养教育提供了发展方向。本文归纳总结了财经素养的发展沿革、基本内涵和特征,提出了系统的财经素养整合理论框架。并结合我国学生发展核心素养的教育改革方向,提出财经素养教育的实施建议。     

Financial literacy and classroom practices among early childhood and elementary teachers in India and the US

This study compared the financial literacy and teaching practices of 82 early and elementary teachers in India and US using a 43-item survey. Analysis showed that financial literacy of Indian teachers was lower than their American counterparts. Teachers in India enjoyed teaching financial literacy more than teachers in the US. Indian teachers received more professional development training than American teachers. Indian teachers reported using the school store, children’s literature and pictorial worksheets while American teachers reported using learning centres, play money, fake credit cards, technology and games to teach financial literacy.     

A praxis approach to financial literacy education

Financial literacy education (FLE) typically focuses on teaching skills and capabilities that promote individual wealth accumulation—for example, the importance of working, budgeting and saving. In this article, we argue the need to move from an individual wealth accumulation focus in FLE to a praxis approach to FLE. We outline the shortcomings of the conventional approach to FLE and develop a conceptual framework for a praxis approach to FLE. We view praxis as the moral, ethical and caring aspect of teaching. Using the conceptual framework, we argue that a praxis approach to FLE includes full attention to: how financial decision-making affects others and self; acknowledging that some life decisions are not financially rewarding; understanding that improving financial mathematics skills and capabilities may not equate to an increase in income; how SES affects an individual’s ability to save and maintain long-term saving; and the ways in which gender, culture, values, psychological state, socioeconomic class and ethics shape identity and their impact on financial decision-making.     

大学生财经素养教育研究

"校园贷"以及其他各种套路贷能够得以生存,究其原因,还是因为财经素养教育的缺位.帮助大学生形成正确的劳动观、工作观、生活观、财富观,做好财经知识的普及,真实全面地了解金融产品,合理评估风险承受能力,提高决策水平,是财经素养教育的重要任务.因此,大学生财经素养教育不能以一个标准来开展,应根据学生实际情况实施分层分类教学....     

The role of teacher professional development in financial literacy education: A systematic literature review

This paper examines the elements essential to effective teacher professional development (TPD) in financial literacy education by means of a systematic literature review. We provide a theoretical underpinning for the literature review by proposing a revised presentation of an existing general TPD model. Our results provide insight into the student learning goals in financial literacy education, the desirable teaching behaviour, the required teacher quality and the contextual factors that play a role. However, our findings also suggest a lack of studies that systematically investigate whether and how TPD initiatives enhance the effect of financial education on students' financial literacy. Furthermore, existing literature fails to provide insight in how the six key features of TPD should be implemented to optimize its effectiveness.     

The construct of media and information literacy in Singapore education system: global trends and local policies

This paper discusses the representation of information literacy and media literacy in the Singapore education discourse as part of its twenty-first century competencies framework. Through examining the conceptual definitions, purposes/aims, and means of these two significant twenty-first century competencies in the global context and the Singapore education policy, the authors argue that despite both information literacy and media literacy have been widely recognized as crucial skills in the knowledge-based economy, they are perceived as separate concepts, given differentiated emphasis, and implemented using similar approaches by various governmental and educational agencies in Singapore. To facilitate the acquisition of these critical competencies, this paper argues that an overarching framework featuring the seamless integration of information and media literacy in school curricula and public education needs to be in place to clarify conceptual concerns and guide its practical implementation.     

Mathematical literacy of school leaving pupils in South Africa

This paper discusses some results of South African (SA) grade 12 pupils on an international test of mathematical literacy, administered in the framework of the Third International Mathematics and Science Study (TIMSS) under the auspices of the International Association for the Evaluation of Educational Achievement (IEA). Three questions are addressed: (1) What are the strengths and weaknesses of SA school-leavers in mathematical reasoning and social utility from an international comparative perspective?: (2) What is the growth of SA pupils' mathematical literacy from grade 8 to 12? (3) What are the background variables that influence the level of mathematical literacy of SA school-leavers? Finally some implications of the results for SA education will be discussed.     

高校信息素养教育“云服务”平台构建

通过分析目前国内高校信息素养教育中存在的问题,探讨了云计算应用于信息素养教育的优势,继而提出建立基于云计算技术的高校信息素养教育"云服务"平台,并重点阐述了平台的功能模块、架构设计、服务模式等。为高校在云技术环境下发展兼具时代特色、实用性和生命力的新形式信息素养教育提供了一种思路。     

Culture and adult financial literacy: Evidence from the United States

Using a US nationally representative sample of over 6000 adults from 26 countries of ancestry, we find a strong association between their financial literacy in the US and the financial literacy level in their self-reported country of ancestry. More specifically, if an individual from a country of ancestry with ‘average’ financial literacy had instead come from a country with financial literacy one-standard deviation above the mean, his or her likelihood of answering correctly basic financial literacy questions regarding inflation, risk diversification, and interest rate in the US would have increased by 4 percentage points, a 9% increase relative to the average financial literacy in our sample of 43%. The cultural components behind this observed association include a strong emphasis on patience, long-term orientation and risk-aversion in the country of ancestry. We also find that the association is driven by financial literacy on risk diversification and interest compounding.     

Measuring financial literacy: Developing and testing a measurement instrument with a selected group of South African military officers

Abstract

Are South Africans financially literate, and how can this be measured? Until 2009 there was no South African financial literacy measure and, therefore, the aim was to develop a South African measurement instrument that is scientific, socially acceptable, valid and reliable. To achieve this aim a contextual and conceptual analysis of financial literacy that indicated the importance of financial literacy, the scope and impact of financial literacy education, and uncovered an acceptable financial literacy definition and its constituent concepts, was applied. A rigorous five-step process was then followed in developing a questionnaire that measures financial literacy knowledge, behaviour and attitude. This draft questionnaire was applied at the South African Military Academy (SAMA) to firstly determine and improve its validity and reliability, and secondly to measure the financial literacy levels of school leavers. Experts and users found this measurement instrument to be valid, and internal consistency levels of above .7 registered its reliability. On average the first-year SAMA students achieved scores of 55.55%, 69.85%, and 77.11% for financial literacy knowledge, behaviour and attitude. As a result it is postulated that there is now a scientific and socially relevant, valid and reliable South African financial literacy measurement instrument available.     

Story Nights: an apprenticeship into literacy through bilingual story reading

This article documents an extended Mexican family’s social practices surrounding literacy as they engage with bilingual children’s literature in a unique context that draws from both home and school without the pressures of curriculum mandates. The research is situated within the southeastern United States where English-dominant practices permeate the school and community. Sociocultural and third space theories provide a framework for understanding the complexities surrounding language use and literacy development. Findings indicate the new space, Story Nights, provides for the development of connections to Mexican culture and a notion of community-based literacy learning. The author makes recommendations for classroom teachers, teacher education programs, and educational policy to be more inclusive of Latino/Latina English learners.     

Field-based teacher education in literacy: preparing teachers in real classroom contexts

For the past two decades, scholars have advocated for reforms in teacher education that emphasize relevant connections between theory and practice in university coursework and focus on clinical experiences. This paper is based on our experiences in designing and implementing an integrated literacy methods course in a field-based teacher education program. We describe issues involved in helping preservice teachers learn to differentiate literacy instruction for diverse learners in urban schools and describe how we use Grossman’s framework of representation, decomposition, and approximation of practice to connect theory and practice. We offer insights about the importance of using recursive cycles of practice and carefully scaffolded learning through attention to different aspects of practice. Initial successes and challenges in implementing field-based literacy education are discussed.     

Teacher assessment literacy in practice: A reconceptualization

This paper aims to reconceptualize teacher assessment literacy (AL) by connecting two fields of research: educational assessment and teacher education. It begins with a scoping review of AL studies. By synthesizing and analyzing 100 studies on teacher AL, a new conceptual framework of teacher assessment literacy in practice (TALiP) is proposed. This framework is illustrated by a discussion of the various components of teacher AL and their interrelationships. This paper concludes with the theoretical contributions of the framework, a working definition of TALiP, and implications for policy and practice of assessment education.     

Learning to teach,learning to act: becoming a critical literacy teacher

Critical literacy requires an exploration of privilege and social justice. This includes an exploration of power and action in one’s “inner” and “outer” lives. This qualitative case study illustrates the ways in which Jonah, a preservice teacher, navigates social practices and actions in his roles as a student, activist, and literacy teacher. Through critical discourse analysis, we conceptualize social action in relation to critical literacy teaching, using a framework of discourses of, discourses as, and discourses in action to construct a nuanced understanding of social action in relation to critical literacy. Given the demands of a standardized curriculum on teachers’ autonomy, this is an important illustration of how social action can be enacted and embodied through the act of teaching.     

美国中小学理财教育实施路径研究

理财教育是美国学校课程的一项重要内容,文章把美国中小学理财教育的实施路径归纳为立法、理论研究、课程模式、社会组织参与等方面,以期为美国中小学理财教育的后续研究做好铺垫。     

普惠金融视域下西部地区农民金融素养水平及其影响因素

提升农民金融素养水平是构建农村普惠金融体系的重要内容。文章从金融意识、金融知识和金融能力3个维度,构建了由储蓄意识、信贷知识、财务计算能力等18个指标组成的金融素养测度指标体系及其维度指数和综合指数,基于908份调查问卷,实证分析了西部地区农民的金融素养水平及其影响因素。研究发现:西部地区农民金融素养水平相对较低,新型职业农民和创业农民的金融素养水平显著高于其他农民;教育程度、家庭收入、社会资本、金融发展、信息技术使用能力和使用程度对西部地区农民金融素养水平具有显著的正向影响,而年龄与金融机构网点距离的影响显著为负。据此应采取广泛开展"金融保险知识下乡"等金融知识与金融技能普及推广活动、加大农村地区金融机构网点建设、充实农民金融素养普及推广队伍等措施以提高西部地区农民的金融素养水平。     

财贸高职人才定位下的财贸文书写作课程项目教学体系特征研究

财贸高职人才面向的是服务业岗位,其岗位特点是工作对象和工作环境的多变性,因此要求财贸人才具备责任感、严谨的作风、创新的能力等多方面的素养。财贸文书写作课程是一门培养综合素养的课程,改变传统的教学模式,建立符合财贸高职人才定位的项目教学新体系,是课程改革大方向。     

大学生消费特征与高校财商教育——以衡水学院为例

大学生消费问题一直是高校工作者关注的焦点之一,大学生消费状况直接反映了该校的学风建设及素质教育的水平,而财商教育是高校素质教育的一部分,是解决大学生消费问题的一个有力武器.衡水学院学生的消费特征是主流消费状况合理有序,个别消费问题突出.对此,完善高校财商教育应采取多种措施:开放思想,引导正确的消费观;停止说教,采取多渠道、灵活式教育方法;利用财经类教育资源,提升学生的理财素养;有的放矢,重点关注处于两极的学生.     

当代大学生财经素养的现状研究

在经济全球化的今天,财经素养已成为我们每个人必备的素质要求,而大学生的财经素养决定了我国未来经济发展的高度,因此研究当代大学生的财经素养现状及特征具有重要的意义.我们通过对江苏地区4个城市的高校进行调研,分析当代大学生收入与消费、财务认知、理财行为、理财渠道与学校教育、家庭教育的关系,探索大学生的财经素养现状和特征,寻求大学生财经素养教育方式及引导路径,为大学生财经素养的教育提供支持.     

对我国研究生教育财政投入体制机制的若干思考

本文在回顾我国研究生教育发展及资源配置历史变迁的基础上,分析了我国教育和科研财政投入的体制和机制,其特征表现为“国家财政拨款为主的多渠道教育经费筹措体制、综合定额加专项补助的高校经费拨款机制、直接拔款和科学基金组合的科研经费投入方式”;并对我国研究生教育财政拨款体制机制如何改革进行了探讨。