问卷调查报告显示：从年龄维度看，消费者金融素养呈倒“U”型分布

Core Insights - The report released by the Financial Regulatory Administration's Consumer Protection Center aims to assess the financial literacy of consumers in China, with a focus on enhancing financial education and outreach efforts [1] Group 1: Financial Literacy Index - The national consumer financial literacy index for 2025 is reported at 67.61 [2] - Financial skills average score is 69.30, financial attitudes average score is 70.62, financial behaviors average score is 54.28, and financial knowledge average score is 76.25 [2] Group 2: Age Demographics - Financial literacy shows a "U" shaped distribution, peaking in the 30-39 age group, while the elderly population (60 years and above) represents a weak segment [2] - There is a need for enhanced "age-friendly" financial services to address the challenges faced by the elderly, including the "digital divide" and "cognitive gap" [2] Group 3: Financial Skills and Attitudes - Consumers demonstrate good capabilities in handling basic financial matters but need to learn new skills to adapt to a more digital and complex financial environment [2] - The overall financial attitudes indicate a healthy and prudent financial perspective, with a strong willingness to learn and improve financial skills [2] Group 4: Financial Behavior - Consumers exhibit stable financial behaviors, but there is room for improvement in the diversification of financial tools and asset allocation strategies [3] - The report highlights that consumers are generally cautious in their financial activities, including debt management and asset holdings [3] Group 5: Financial Knowledge - Consumers have a good grasp of basic financial knowledge but show weaknesses in understanding complex concepts that require deep comprehension or involve intricate calculations [3] - Knowledge areas assessed include digital currency, inflation, risk-return, insurance claims, credit ratings, and illegal fundraising [3] Group 6: Consumer Complaint Handling - The most common methods for consumers to handle disputes regarding financial products or services include complaints through financial institution hotlines (73.28%) and in-person complaints at financial institution branches (63.90%) [3] - Other complaint channels include various consumer protection hotlines and direct complaints to relevant authorities [3]