投資理財(cái)進(jìn)課堂 金融素養(yǎng)從娃娃抓起

打開炒股軟件看不懂K線，想去找個(gè)穩(wěn)妥的理財(cái)項(xiàng)目，不小心又誤入網(wǎng)絡(luò)借貸和詐騙的圈套……

3月15日，證監(jiān)會與教育部聯(lián)合印發(fā)《合作備忘錄》，稱將在學(xué)校教育中大力普及證券期貨知識，推動全社會樹立理性投資意識，提升國民投資理財(cái)素質(zhì)，將投資者教育逐步納入國民教育體系。

An investor looks at share prices at a brokerage in Fuyang, Anhui province, on Friday. [Photo by Wang Biao / For China Daily]Chinese primary school textbooks may soon include definitions for terms like “price-to-earnings ratio” or “buy and hold” as the country embarks on a campaign to improve investor awareness.

隨著中國開始提高民眾投資意識，小學(xué)教科書可能很快會加入“市盈率”或“買入并持有”等術(shù)語的定義。

China’s ministry of education and the country’s securities regulator said they would be working together to “increase financial literacy” among China’s youth. Officials said the campaign to improve understanding of the country’s securities and futures markets would begin with textbooks for primary and middle schools.

中國教育部和證監(jiān)會稱，將共同努力“提升(青少年)投資理財(cái)素質(zhì)”。有官員表示，提高對本國證券和期貨市場的了解將從中小學(xué)教科書開始。

For years, authorities have been trying to improve financial literacy as retirees or less savvy investors have lost their savings to risky schemes or fraud.

近年來，中國許多退休人員或不懂行的投資者因?yàn)橛酗L(fēng)險(xiǎn)的投資項(xiàng)目或遭欺詐而損失積蓄，為此政府一直盡力提高民眾的金融素養(yǎng)。

Over the last year, thousands of Chinese have lost money in peer-to-peer lending schemes gone wrong and other online scams. At least one person, a woman in Zhejiang province, reportedly committed suicide after losing about $40,000.

去年，數(shù)千名中國人因?yàn)榫W(wǎng)絡(luò)借貸平臺倒閉或遭網(wǎng)絡(luò)欺詐而損失錢財(cái)。據(jù)報(bào)道，浙江省一位女性在損失了大約4萬美元(約27萬元人民幣)后結(jié)束了自己的生命。

“This has great significance for maintaining social harmony and stability,” said Gao Li a spokesperson for the securities commission said on Friday.

證監(jiān)會發(fā)言人高莉說：“這對保持社會和諧穩(wěn)定有重要意義。”

As China seeks new funding for cash-strapped companies and local governments, and opens the door to more foreign money entering its stock exchanges, it is looking to upgrade the sophistication of Chinese investors.

如今，中國正為資金不夠充裕的公司和地方政府尋求新的資金，并對更多的外資進(jìn)入股市敞開大門。因此，中國打算提高投資者的水平。

cash-strapped['kæ?,stræpt]：adj.缺乏現(xiàn)金的;沒有足夠資本的

Tech companies have unveiled financial literacy apps for kids while schools in cities like Shanghai, Guangzhou and Shenzhen have introduced related lessons. In 2014, students in Shanghai scored the highest of any country on a financial literacy test conducted by the OECD.

中國的科技公司已推出面向孩子的金融知識應(yīng)用。上海、廣州和深圳等城市的學(xué)校也引入了相關(guān)課程。在2014年經(jīng)合組織開展的金融素養(yǎng)測試中，來自上海的學(xué)生名列榜首。

Officials said they would also focus on improving the financial literacy of teachers, encourage universities to offer related courses to all students, and find other “innovative” ways to improve understanding of markets like internships or virtual trading. The country’s securities regulator said it would also be offering its own courses and lectures.

有官員們表示，他們還將致力于提高教師的金融素養(yǎng)，鼓勵高校面向所有學(xué)生開設(shè)相關(guān)課程，采用實(shí)習(xí)、虛擬交易等其他“創(chuàng)新”方式增進(jìn)學(xué)生對市場的了解。中國證監(jiān)會也表示會提供課程和講座。