央行报告：“一老一少”仍是金融教育持续关注的重点对象

Core Insights - The People's Bank of China released the "Consumer Financial Literacy Survey Analysis Report (2021)", indicating a national consumer financial literacy index of 66.81, an increase of 2.04 compared to 2019 [1] Financial Knowledge - Overall, consumers have a good grasp of credit knowledge and understand the importance of maintaining a good credit record; however, there is still a lack of understanding regarding basic financial concepts such as diversified investment and investment return expectations [3][2] - There has been a noticeable improvement in knowledge related to credit, insurance, loans, and deposit insurance since 2019, but there are still gaps in understanding commercial insurance and investment knowledge [3] Financial Behavior - Mobile payments are the preferred method for daily transactions, but cash is still used for small payments; there has been a significant improvement in credit card repayment behavior, with full repayment rates increasing by 8.2 percentage points since 2019 [4][2] - Consumers primarily invest in savings, bank wealth management products, funds, and stocks, and they prefer to obtain financial product information through bank branches and online channels [4] Financial Attitude - Consumers generally recognize the necessity of cash in daily life and are cautious about debt consumption; there is an increased emphasis on the importance of financial education, particularly for youth, with a 14.04 percentage point increase in those who consider financial education very important since 2019 [5][2] Financial Skills - Consumers demonstrate good management of daily income and expenses, with sufficient emergency savings to cover unexpected expenses equivalent to three months' income; however, there is a need for improvement in debt management skills [6][2] - There has been a noticeable improvement in understanding contract terms and emergency savings since 2019, but traditional skills such as ATM password protection have seen a decline [6]