（原标题：过了这一年龄，就该给孩子零花钱了，很多父母都给晚了） 一个宝妈在群里说，自己快被孩子气炸了。 原来是孩子偷拿了她放在抽屉里的100元。 气得她揍了孩子一顿。 "明明家里吃穿不愁，物质上从没亏待孩子，才10岁怎么他就学坏了呢？ 群里有家长问了句，"你是不是从来不给孩子零花钱？" 宝妈说："啥都给他买了，也不用他买什么，没必要给零花钱啊！" 这其实是很多中国家长的想法：觉得物质不缺就不用给孩子零花钱，认为孩子不需要钱，或过早接触钱 会学坏。 可真相是，过了某个年龄还不给孩子零花钱，不是保护，反而是在害他。 《穷爸爸富爸爸》说： "如果你不教孩子金钱的知识，有人会替你教。 这个人是谁？也许是债主，也许是奸商，也许是警察，也许是骗子。" 给孩子零花钱，教孩子合理花钱、管理零钱，其实是在帮他建立一生受用的金钱观。 01 没零花钱的孩子，内心其实很贫瘠 很多父母不但不给孩子零花钱，还经常在孩子面前哭穷："咱家没钱，省着点。" 这种哭穷教育本意或许是激励孩子懂事节俭，但结果却往往适得其反，孩子很容易形成两种极端： 一种是过度节俭，即使长大后经济宽裕，仍对花钱抱有罪恶感，活得紧绷而焦虑； 另一种则是报复性消费，一旦 ...

Core Viewpoint - The chairman of Beijing Bank, Huo Xuewen, emphasizes the importance of financial education for children as a means to combat illegal fundraising targeting the elderly, suggesting that instilling financial awareness in the younger generation can effectively protect the financial interests of the older population [1] Group 1: Children's Financial Education - Beijing Bank has established the first child-friendly bank in the country, focusing on enhancing children's financial literacy, traditional cultural education, and social skills [1] - The bank has served 2.6 million children, helping them manage over 20 billion yuan in their New Year's money [1] Group 2: Combating Illegal Fundraising - Huo Xuewen notes that convincing elderly individuals not to invest in illegal schemes is challenging, but advice from grandchildren is particularly effective in dissuading them [1] - The strategy of fostering financial awareness in the next generation is viewed as a foundational step for the long-term development of the country [1] Group 3: Financial Management and Investment - The bank aims to cultivate a generation of financially savvy children who can manage money, invest wisely, and potentially produce future financial leaders akin to Warren Buffett [1]

Core Viewpoint - Financial literacy education is essential for children, helping them establish a correct view of consumption and money management that will benefit them throughout their lives [1][2]. Group 1: Financial Literacy Education - Financial literacy education should start with managing pocket money, where parents can set an appropriate amount based on family circumstances and the child's age, establish a regular distribution cycle, and review spending habits together [1]. - Children should be encouraged to manage their desires and make rational purchasing decisions, distinguishing between wants and needs, and comparing prices to assess value for money [1][2]. Group 2: Financial Planning and Investment - Children should be guided to read age-appropriate financial books to develop an understanding of financial planning, and parents can share their experiences to illustrate the relationship between consumption, saving, and investment [2]. - Pocket money can be divided into spending, saving, and investing, with parents introducing children to various investment options like savings accounts, government bonds, insurance, and stocks [2]. Group 3: Philanthropy and Giving - Encouraging children to donate a portion of their pocket money to help those in need can foster a sense of joy and responsibility, while also teaching them to discern genuine needs and decide how much to donate [2]. Group 4: Long-term Process - Financial literacy education is a long-term process that requires children to practice money management, learn from their experiences, and gradually build a solid foundation for their future financial lives [2].

Core Viewpoint - The construction of a strong financial talent team is essential for China's transition from a financial power to a financial stronghold, which requires addressing both external and internal contradictions in financial development [2]. Group 1: Financial Talent Development - A strong financial talent team is crucial for promoting the construction of a financial stronghold, as the financial sector is highly specialized and complex [2]. - The talent team must meet the standards of political integrity, capability, and work ethic to effectively contribute to the financial stronghold [2]. - Understanding the core connotation of "Chinese characteristics" is vital for the financial talent team, which should integrate Marxist financial theory with contemporary Chinese practices and traditional culture [2]. Group 2: Financial Culture and Education - A robust financial talent team must be nourished by both Marxism and excellent traditional Chinese culture to achieve innovative development and effectively fulfill their roles in financial culture [2]. - In-depth understanding of Chinese financial culture is essential for financial talent education, serving as a key support for risk prevention and ensuring the integrity of the financial workforce [2]. Group 3: Financial Literacy and Education - Financial literacy education should focus on cultivating national financial awareness and knowledge accumulation [3]. - The approach to financial literacy education should emphasize cultural connotation and adopt a tiered strategy, addressing both institutional and individual investor education needs [3].

Core Viewpoint - The collaboration between Beijing Bank and the China Children's Center aims to enhance financial literacy among children aged 6-12 through immersive and interactive educational activities, contributing to the development of child-friendly cities and financial empowerment [2][3]. Group 1: Collaboration and Educational Goals - The China Children's Center, as a national-level extracurricular education institution, focuses on the comprehensive development of children and has accumulated rich educational resources and practical models over the years [3]. - The partnership with Beijing Bank leverages the bank's professional advantages to provide financial resources and scenario-based services for children's quality education, aligning with national calls to integrate financial literacy into the basic education system [3]. Group 2: Event Structure and Activities - The event features four core areas: "Currency Enlightenment," "Career Experience," "Financial Competition," and "Safety Protection," designed to cater to different children's growth needs and interests [4]. - Activities include hands-on experiences with currency evolution, real banking processes, financial games, and safety knowledge, aimed at enhancing children's understanding of financial concepts and skills [4][5]. Group 3: Child-Centric Approach - The event emphasizes listening to children's voices, allowing them to actively participate and express their needs and expectations, thus making them the "little masters" of the activities [6][7]. - The establishment of the "Jingmiao Observation Group" enables children to contribute ideas for optimizing activities and content, fostering a sense of ownership and engagement in their learning process [7]. Group 4: Future Initiatives - Beijing Bank plans to deepen its collaboration with the China Children's Center, creating more systematic financial education projects through the "Jingmiao Club," integrating resources from financial enlightenment, cultural heritage, and social welfare [7].

Core Points - The article discusses an initiative to integrate investor education into the national education system in China, aiming to cultivate a rational investment culture from an early age [1] - On October 30, an event was held in Xining, Qinghai, where over 150 students from Yangguang Primary School participated in financial literacy education activities [1] - The event was organized by the Qinghai Securities Association in collaboration with CICC Wealth Securities Qinghai Branch, focusing on teaching students the importance of financial literacy and investment [1] Group 1 - The event included lectures on why to learn financial management, what financial management entails, tips for managing finances, and how to become a financial advisor [1] - The instructor used engaging methods, such as storytelling, including the "Farmer and the Golden Eggs" story, to explain the significance of financial literacy [1] - The Qinghai Securities Association plans to continue innovating educational activities and expanding the reach of financial literacy resources to help youth establish rational wealth concepts [1]

Core Insights - Recent decline in international gold prices has led to significant losses for some university students who invested in gold, reflecting a mismatch between their enthusiasm for investment and their understanding of market dynamics [2] - The surge in interest in gold investment among students was driven by social media, but many lacked the experience to navigate the complexities of the market, leading to emotional rather than informed decision-making [3][4] Group 1: Investment Behavior - Many university students invested their living expenses and part-time earnings in gold ETFs or accumulated gold, driven by a fear of missing out on perceived opportunities [2] - The decline in gold prices has resulted in widespread disappointment among young investors, highlighting the risks associated with viewing gold as a guaranteed profit asset [2][3] Group 2: Financial Literacy and Education - There is a disconnect between the financial needs of students and the financial education provided in schools, which often remains theoretical and lacks practical guidance on market risks and asset allocation [3] - The current generation of students has developed a financial awareness influenced by the internet and consumerism, but they often rely on fragmented information from social media, leading to impulsive investment decisions [3][4] Group 3: Market Education and Risk Awareness - The experience of losing money in gold investments serves as a valuable lesson in risk education for young investors, emphasizing the importance of understanding market dynamics and personal risk tolerance [4] - There is a need for financial education to be more aligned with real-world market conditions, promoting a mindset of cautious investment and knowledge-based risk management among young investors [4]

Core Points - The event celebrated the 20th anniversary of Great Wall Life Insurance, themed "Peace of Mind for Home, Dream Together" [1] - The activities included an immersive financial education experience for families, combining fun with learning [1] - The event aimed to teach children about ancient trading wisdom, risk and return, modern consumption planning, and the history of currency [1] - Financial experts provided insights on family wealth management and risk protection for parents [1] - The event successfully blended financial education, parent-child interaction, and insurance concepts, receiving positive feedback from attendees [1] - Great Wall Life Insurance plans to continue innovating customer service formats to provide valuable and warm experiences [1]

Core Viewpoint - The article emphasizes the importance of financial literacy for youth, highlighting a series of educational activities conducted by Shenwan Hongyuan Securities to instill proper money concepts and enhance financial literacy among teenagers [3][17]. Summary by Sections - **Event Overview**: From July 17 to August 21, 2025, Shenwan Hongyuan Securities organized 17 financial education sessions titled "Secrets of the Money Kingdom" across various districts in Shanghai, reaching over 700 teenagers [3][17]. - **Collaborative Efforts**: The educational initiative involved multiple securities branches in Shanghai, tailoring content to the characteristics of different summer care classes, ensuring that financial knowledge was effectively imparted through interactive methods [3][17]. - **Interactive Learning**: Activities included historical storytelling, simulations of ancient trade, and practical exercises like budgeting, which helped students understand the significance of consumption planning and rational spending [3][5][10]. - **Game-Based Learning**: The program featured game-based teaching methods, such as the "Monopoly" style game, allowing students to experience the basic logic of earning, spending, and saving money in a fun and engaging manner [7][14]. - **Positive Feedback**: The initiative received widespread acclaim from parents and community members, who appreciated the practical and relatable course design that effectively inspired children to develop a correct understanding of money [17][18]. - **Future Plans**: Shenwan Hongyuan Securities aims to expand its financial literacy programs to more cities and schools, with plans to introduce a series of courses on topics like "Introduction to Investment" and "Risk Management" to further enhance financial education for youth [18].

Core Viewpoint - The "Shen Yuan Bao - Children's Financial Literacy" summer camp successfully combines financial education and safety training for children, enhancing their financial awareness and self-protection skills in a fun and engaging manner [2][4][22]. Group 1: Event Overview - The summer camp took place on August 22, attracting around 30 families, providing a half-day immersive experience for children to explore financial knowledge and learn practical safety skills [2][22]. - The event was organized by Shenwan Hongyuan Securities' investor education base, emphasizing the importance of financial literacy and safety education for youth [4][22]. Group 2: Educational Approach - The camp innovatively integrated financial literacy and safety self-rescue education, breaking the monotony of traditional financial learning through engaging activities [4][22]. - Activities included the "Magic Business Academy" where children participated in games that taught them about wealth management, savings, and risk through interactive play [11][22]. Group 3: Parental Involvement - Parents participated in a dedicated educational experience, including a tour of the education base and a class on ETF investment, enhancing their understanding of investment concepts [13][15]. - The event featured emotional storytelling through videos that resonated with parents, highlighting the importance of rational investment and financial education [15][22]. Group 4: Safety Training - The "Little Rescue Hero" segment focused on teaching children about safety risks and self-rescue techniques in various emergency scenarios, fostering a sense of responsibility and courage [18][22]. - Children engaged in hands-on practice of emergency response skills, moving beyond traditional knowledge transfer to active learning [18][22]. Group 5: Feedback and Future Plans - Feedback indicated high satisfaction among families, with children expressing enjoyment and learning from the activities, while parents appreciated the educational value [22][24]. - The education base plans to expand the "Shen Yuan Bao - Children's Financial Literacy" brand, optimizing content and collaborating with schools and communities to create a comprehensive financial education system for youth [24][25].