《2024中国居民金融素养报告》：上海居民金融素养在全国排名第一

Core Insights - The overall score for personal financial knowledge and skills among Chinese residents in 2024 is 71.8 points, indicating a moderate level of financial literacy [1]. Group 1: Regional Differences and Trends - The gap in financial literacy among different regions in China is gradually narrowing, with Shanghai ranking first for three consecutive years [2]. - Higher education and income levels correlate positively with better financial literacy among Shanghai residents, highlighting the influence of demographic factors such as gender, age, education, and income on financial knowledge [2]. Group 2: Impact of Financial Literacy on Investment Behavior - Financial literacy significantly affects residents' investment decision-making processes, with lower-scoring respondents relying more on social media and sales personnel for guidance [2]. - There is an observed improvement in residents' awareness of diversified investment, although the overall level of financial literacy still requires enhancement [2]. Group 3: Recommendations for Improving Financial Literacy - To enhance investors' financial literacy, three approaches are suggested: 1. Knowledge dissemination to understand the risk-return characteristics of different assets and key indicators like expected returns, drawdowns, and volatility [2]. 2. Behavioral correction to identify psychological biases such as overtrading and loss aversion based on behavioral finance principles [2]. 3. Institutional incentives to promote "accompaniment-style" financial advisory mechanisms, long-term incentive structures, and immersive educational platforms for financial knowledge [2].