Hiểu biết tài chính cá nhân của giới trẻ: Khảo sát điều tra thực trạng tại Hà Nội và đề xuất giải pháp=Financial literacy among youth: A survey of current understanding in Hanoi and proposed solutions

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Tác giả: Hoàng Phương Nguyễn

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Tạp chí Công thương, 2024

Mô tả vật lý: tr.420-426

Bộ sưu tập: Metadata

ID: 225331

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Bài viết nghiên cứu thực trạng hiểu biết tài chính cá nhân của giới trẻ theo khung nghiên cứu của OECD (2015). Kết quả cho thấy giới trẻ trên địa bàn thành phố Hà Nội có mức độ hiểu biết khác nhau về các khái niệm tài chính quan trọng như lãi suất, lạm phát, phân tán rủi ro, quản lý ngân sách, quản lý nợ và thái độ tài chính. Trong khi một số người trẻ thể hiện kiến thức tốt ở một số lĩnh vực nhất định thì một bộ phận đáng kê thanh niên lại thể hiện sự hiểu biết ở mức trung bình hoặc kém. Các giải pháp được đề xuất bao gồm tích hợp giáo dục tài chính thực tế vào chương trình giảng dạy ở trường, nâng cao hiểu biết về kỹ thuật số thông qua nền tảng đầu tư và thúc đẩy học tập trải nghiệm tại các câu lạc bộ và cuộc thi giáo dục tài chính.This paper examines the current state of financial literacy among youth based on the OECD (2015) research framework. The results indicate varying levels of understanding among young people in Hanoi regarding key financial concepts such as interest rates, inflation, risk diversification, budget management, debt management, and financial attitudes. While some youth demonstrate strong knowledge in specific areas, a significant portion exhibit average or poor understanding. Proposed solutions include integrating practical financial education into school curricula, enhancing digital literacy through investment platforms, and promoting experiential learning through financial education clubs and competitions.

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