两场 活动初始，副总经理 俞震同志 详细介绍了申万宏源的发展历程。 学生们 通过观看宣传片，进一步了解了申万宏源的历 史沿革、业务布局和发展成就。 俞震同志从 申万宏源的历史沿革、组织架构、股东情况、分支机构、经营情况、业务优势、战 略定位七个角度展开介绍。作为上海的中央金融企业，申万宏源秉持先进理念，依托多元化综合金融服务，在服务国家战略中持 续引领企业行稳致远。 12月1 6 日，上海商学院的活动现场座无虚席。考虑到该校商科专业学生的学习需求，投教团队以 "资本市场实务与风险防范" 为核心，打造了兼具专业性与实操性的 投教 内容。 我部 从大学生常见的理财误区切入，结合近期典型案例，系统解析了校园 贷、非法荐股、场外配资等金融陷阱的运作模式与识别方法，用 "低息诱饵背后的债务陷阱"" 内幕消息中的诈骗套路 "等真实案例 敲响风险警钟。 并解答了关于 国债逆回购、基金定投等低风险理财工具的 基础问题 ，针对学生关注的 "1000 元起投的理财选择 ""假期闲钱如何增值" 等问题展开详细解答，现场互动问答环节气氛热烈，同学们纷纷拿出手机记录操作要点。 为深入贯彻投资者教育纳入国民教育体系的工作要求，切实提升高 ...

金融已深度融入普通居民的日常生活消费场景，成为不可或缺的重要组成部分。这就要求每个人具备一 定的金融素养——即理解并运用金融知识与技能解决生活实际问题的能力，其直接影响人们在投资、储 蓄、消费、借贷等各类金融活动中的决策质量。具体而言，居民日常需处理储蓄规划、消费预算、资金 划转及支付方式选择等事务，还需统筹家庭资产负债管理，通过合理借贷实现适度提前消费，将闲置资 金用于合规理财，最终保障家庭长期收支平衡。 2022年资管新规正式落地，叠加个人养老金制度（养老第三支柱）同步推出，居民面临的金融决策挑战 进一步升级，不仅需要精准筛选适配的理财产品，还需自主规划管理个人养老资金。在此背景下，金融 素养的重要性愈发凸显，直接决定了居民金融决策的科学性与合理性。 上海交通大学上海高级金融学院教授 吴飞 从社会宏观层面看，全民金融素养的整体提升具有重要现实意义：既能有效减少因金融知识匮乏引发的 金融欺诈事件，降低金融市场不稳定因素，又能强化金融市场运行韧性，推动经济可持续发展，为金 融"五篇大文章"国家金融发展战略的落地实施提供坚实支撑。 既然金融素养如此关键，如何通过系统化金融教育提升居民普遍的金融素养？传统金融教育 ...

Core Insights - The upcoming webinar titled "Think Like an Economist: Financial Literacy and Economic Understanding in an Age of Complexity" will be held on November 11, 2025, focusing on bridging the global financial literacy gap [1][4][8] - The event is a collaboration between Oxford University and EBC Financial Group, featuring experts Michael McMahon and David Barrett [2][6] Financial Literacy Importance - Financial literacy is crucial for making informed decisions in today's complex economic environment, with 66% of adults in OECD member countries lacking basic financial literacy [4] - In the UK, 39% of adults express a lack of confidence in their financial management skills, highlighting the need for effective educational interventions [4] Webinar Structure and Goals - The discussion will explore the differences in economic understanding between the general public and experts, effective educational interventions, and how central banks can improve communication [4] - The "Three E" framework (Explanation, Engagement, Education) will be introduced to enhance economic understanding [4] Expert Backgrounds - David Barrett, CEO of EBC Financial Group, has nearly 40 years of experience in forex, fixed income, commodities, and CFDs, and is a recognized expert in geopolitical risk and market volatility [6][10] - Michael McMahon is a professor at Oxford University with a focus on macroeconomics and central bank communication, having published in top economic journals [7][10] Event Details - The free online webinar will take place via Zoom and is open to students, finance professionals, policymakers, educators, traders, and investors interested in economic thinking [8][9]

Group 1 - Successful entrepreneurs have clear goals and visions, which serve as a guiding light for their journey [3][4] - Time management is equated to wealth management, emphasizing the importance of prioritizing tasks effectively [6][7] - Flexibility is crucial in business, as rigid companies often fail to adapt to changes in the market [7][8] Group 2 - Continuous learning is essential for entrepreneurs, who should engage in reading and seeking mentorship [10][12] - Entrepreneurs must take calculated risks rather than blind ones, ensuring they have contingency plans [12][13] - Resilience and persistence are key traits, as many successful entrepreneurs have faced numerous rejections before achieving success [15] Group 3 - Building a strong team is vital, as collaboration enhances the potential for long-term success [17] - Financial literacy is critical for business survival, with a focus on cash flow management and financial planning [17][18] - A customer-centric approach is necessary for sustainable business, highlighting the importance of user feedback [19] Group 4 - Maintaining personal balance is important for entrepreneurs, as burnout can hinder project success [21][22] - The essence of successful entrepreneurship lies in adopting a set of long-term habits and principles [24]

Group 1 - The core theme of the event was to enhance the financial literacy of teachers at Yanzhong No. 1 Middle School, focusing on building a financial risk "protection wall" [1] - The event included practical discussions on common financial scenarios such as investment planning, mortgage repayment, and credit card usage, ensuring the content was relevant to the teachers' needs [1] - A senior financial lecturer explained basic financial concepts using simple language and illustrated the principle of "high returns accompany high risks" through comparisons of different investment products [1] Group 2 - During the interactive session, teachers actively asked questions about topics like the benefits of early mortgage repayment and how to calculate credit card installment fees, with staff providing detailed answers [2] - The event attracted over 20 teachers, distributed more than 30 informational materials, and conducted a survey indicating that 95% of teachers gained a clearer understanding of financial rights protection [2] - The bank plans to continue addressing the needs of the teacher community by launching an online "Financial Knowledge Classroom" to regularly provide practical information and enhance financial rights protection [2]

Core Viewpoint - The company actively promotes financial literacy among youth to enhance their awareness of risks associated with illegal financial products such as campus loans, beauty loans, and order-filling loans [1][3] Group 1: Financial Education Activities - The company organized a financial knowledge dissemination event at Jining Vocational and Technical College on September 15, 2025, led by the institution's top management [1] - The event featured engaging methods such as thematic banners and promotional materials to create a strong financial education atmosphere [1] - Promotional materials focused on key topics like anti-money laundering, illegal fundraising prevention, online fraud prevention, and financial fraud awareness [1] Group 2: Case Studies and Interactive Engagement - Real-life cases were presented to illustrate the operational tactics and potential risks of campus loans and their variants, such as beauty loans and order-filling loans [3] - The event included an interactive Q&A session to encourage student participation, addressing common financial scenarios and responses to illegal loan offers [3] - Participants received practical gifts for their engagement, enhancing their sense of achievement and reinforcing their understanding of financial safety knowledge [3] Group 3: Impact and Future Initiatives - The event received unanimous recognition and praise from students and faculty, improving their understanding of illegal financial activities and enhancing their risk prevention awareness [3] - The company plans to continue fulfilling its corporate social responsibility by innovating and conducting more diverse financial knowledge dissemination activities [3]

Group 1 - The core theme of the financial education campaign is "Protecting Financial Rights and Supporting a Better Life," aimed at enhancing public financial literacy and risk awareness [1] - The campaign specifically targets groups such as housewives, the elderly, and minors, emphasizing the importance of the "Three Appropriateness" principle in financial product selection [2] - The initiative effectively raises the financial security awareness of community residents, with plans for ongoing, targeted financial education activities in the future [3] Group 2 - The campaign educates housewives on matching financial products with their risk tolerance, financial status, and investment goals, while also exposing the nature of illegal financial intermediaries [2] - For the elderly and minors, the campaign uses common cases of illegal fundraising and telecom fraud to explain the tactics of scammers, promoting caution against small profits and information leakage [3] - The company aims to contribute to a safe and healthy financial environment through continuous financial education efforts tailored to different demographic groups [3]

Core Insights - The "Wealth Health Index" for China's new affluent population shows a slight decline in 2025, indicating a decrease in wealth confidence, financial planning, and investment participation, while asset management awareness is improving [1][2] Group 1: Wealth Health Index - The Wealth Health Index for new affluent individuals in China decreased from 70.51 to 70.35 in 2025, with sub-indices for wealth confidence, financial planning, and investment participation declining by 0.26, 2.47, and 0.14 points respectively [1] - The asset management sub-index, after four years of decline, has shown an upward trend, indicating a maturation in wealth management and asset allocation behaviors among this demographic [1] Group 2: Investment Behavior - The average allocation of cash and fixed deposits in the asset configuration of new affluent individuals has dropped to 52.5%, marking the first decline in this category [2] - The participation rate in fund investments has reached a five-year high, with the average allocation to funds increasing to 12.4% [2] - Nearly 40% of respondents expressed interest in overseas asset allocation, reflecting a growing inclination towards diversified investment paths [2] Group 3: Risk Preferences and Financial Literacy - Despite an increase in the allocation to high-risk financial assets, the subjective risk preference of new affluent individuals remains conservative [2] - There is a noted shortfall in understanding the relationship between risk and return, highlighting the need for improved financial literacy [2] Group 4: AI in Financial Services - The study also focused on the new affluent population's attitudes towards AI-enabled financial services, revealing a significantly higher trust in AI-generated investment advice compared to overseas markets, with nearly 70% expressing strong or moderate trust [2] - More aggressive investors showed higher trust levels in AI, while those with over 15 years of investment experience preferred human services [2]

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]

Core Viewpoint - The claim that the five-cent coin contains gold is a misconception, as all versions of the coin are made primarily of steel and copper, with no gold content [19]. Material Composition - The five-cent coins in circulation in China are made of two main materials: copper-clad steel (1991-2000) and steel core with copper alloy (post-2000) [4][5]. - The copper content in the 1991-2000 version is approximately 3.5%, while the post-2000 version has about 2.8% copper [4]. Misconceptions and Origins - The belief that five-cent coins contain gold stems from their color, as some copper-clad coins exhibit a gold-like sheen, leading 32% of surveyed individuals to mistakenly think they contain precious metals [3]. - Special editions or coins from certain years can fetch high prices in the collector's market, which may mislead people into thinking the coins contain valuable metals [3][8]. - The term "gold" is often used loosely in common language, contributing to misunderstandings about the coin's material [3]. Economic Principles - The production of circulating currency must adhere to economic principles, where the material cost must be significantly lower than the face value; incorporating gold would violate this principle [4][5]. - The material cost of a five-cent coin is estimated to be between 0.08 to 0.12 yuan, well below its face value of 0.5 yuan [5]. Collectible Value - Certain five-cent coins, particularly those from 1992 and 1999, have collectible values that can reach 20 to 50 yuan and 100 to 300 yuan respectively [8][9]. - The value of coins in the collector's market is more dependent on rarity and condition rather than the presence of precious metals [10]. Psychological Factors - The spread of the "golden coin" rumor can be attributed to people's natural inclination towards the idea of unexpected wealth, making them more likely to believe and share such claims [11]. Importance in Currency System - Despite not containing gold, five-cent coins play a crucial role in China's currency system, with approximately 15 billion coins in circulation, totaling a value of about 7.5 billion yuan [19]. Recommendations for Public Awareness - It is advised for the public to maintain a skeptical approach towards claims of unexpected wealth, seek authoritative information, and understand the basic principles of currency production to discern the truth behind such rumors [12][13][14].