《消费者金融素养问卷调查报告》发布

Core Insights - The report indicates that the national consumer financial literacy index for 2025 is 67.61, with average scores in financial skills at 69.30, financial attitudes at 70.62, financial behaviors at 54.28, and financial knowledge at 76.25 [1][2] Group 1: Overall Financial Literacy - Consumers generally possess good capabilities in handling basic financial matters but need to enhance new skills to adapt to the increasingly digital and complex financial environment [1] - The overall financial attitudes of consumers reflect a healthy and prudent financial value system, along with a strong willingness to learn financial knowledge and improve financial skills [1] Group 2: Financial Behavior and Knowledge - Consumers exhibit stable financial behaviors and have a good grasp of basic knowledge, but there is room for improvement in the diversified use of financial tools and asset allocation strategies [1] - Knowledge related to complex calculations or inter-temporal decision-making remains relatively weak among consumers [1] Group 3: Demographic Analysis - Financial literacy distribution shows a U-shaped curve by age, with the highest literacy in the 30-39 age group (70.11) and the lowest in those aged 60 and above (62.16) [2] - Urban consumers score higher in financial literacy (69.92) compared to rural consumers (63.23) [2] - Among regions, the eastern area has the highest financial literacy score (68.45), followed by the central (67.51), northeastern (67.21), and western regions (66.99) [2] Group 4: Purpose of the Report - The report aims to comprehensively understand the financial literacy levels of consumers in China and enhance the targeted effectiveness of financial education and publicity efforts [2]