金融监管总局报告显示：消费者持有这类金融资产最多→

Core Insights - The Consumer Financial Literacy Index for 2025 is reported to be 67.61, indicating a moderate level of financial literacy among consumers in China [1][3]. Consumer Financial Skills - The average score for financial skills is 69.30, suggesting that consumers generally handle basic financial matters well but need to learn new skills to adapt to a more digital and complex financial environment [4]. - A significant portion of consumers, 36.38%, ignore high-yield financial products, while 37.58% check if the company or product is regulated [4]. Consumer Awareness of Financial Products - 59.08% of consumers understand that bank wealth management products are not guaranteed to be principal-protected and may incur losses, yet 29.59% mistakenly believe these products are guaranteed [6]. - 69.22% of consumers report overall profitability from their investments in bank wealth management products [26]. Consumer Financial Behavior - 57.03% of consumers have surplus income after expenses, while only 6.83% report that their income does not cover their expenses [9]. - The average score for financial behavior is 54.28, indicating a need for improvement in the diversification of financial tools and asset allocation strategies [20]. - 85.73% of consumers have used mobile payments, and 59.97% have engaged in saving behaviors, reflecting a healthy debt level among consumers [20]. Consumer Financial Knowledge - The average score for financial knowledge is 76.25, showing that consumers have a good grasp of basic financial concepts but struggle with more complex topics [27]. - 69.39% of consumers recognize the principle that higher returns often come with higher risks, and nearly 40% understand the importance of diversification in investment [30]. Consumer Attitudes Towards Financial Products - 79.97% of consumers are aware of their credit status, with 56.47% having checked their credit reports [19]. - 76.92% understand that a poor credit record can affect loan applications, but only 46.47% know the duration for which negative records are kept [35]. Demographic Insights - Financial literacy scores are highest among the 30-39 age group at 70.11, with scores decreasing in older age brackets [37]. - Higher income groups (annual income above 240,000 yuan) have a financial literacy score of 73.01, while those earning below 24,000 yuan score the lowest at 58.93 [37]. - Urban consumers score higher in financial literacy (69.92) compared to rural consumers (63.23) [37].