Core Insights - The 2025 National Consumer Financial Literacy Index is reported at 67.61, indicating a moderate level of financial literacy among consumers in China [1] Consumer Financial Skills - The average score for financial skills is 69.30, suggesting consumers have a good ability to handle basic financial matters but need to learn new skills to adapt to a more digital and complex financial environment [2] - 36.38% of consumers ignore high-yield financial products, while 37.58% check if the company or product is regulated [2] - 59.08% of consumers understand that bank wealth management products are not guaranteed to be principal-protected, yet 29.59% mistakenly believe they are [2] - 57.03% of consumers report having surplus income after expenses, while only 6.83% cannot cover their expenses with their income [2] Consumer Financial Attitudes - The average score for financial attitudes is 70.62, indicating a generally healthy and cautious financial mindset among consumers [3] - A significant majority of consumers exhibit risk-averse behavior, with only 8.64% willing to invest in high-risk, high-return projects [3] - 79.97% of consumers are aware of their credit status, and 56.47% have checked their personal credit report [3] Consumer Financial Behaviors - The average score for financial behaviors is 54.28, showing that while consumers' financial behaviors are generally stable, there is room for improvement in the diversification of financial tools and asset allocation strategies [4] - 85.73% of consumers have used mobile payments, and 65.89% have used cash payments [4] - 54.25% of consumers are debt-free, while 5.34% have heavy debt burdens [4] Consumer Financial Knowledge - The average score for financial knowledge is 76.25, indicating a good grasp of basic financial concepts but weaker understanding of complex topics [6] - 69.39% of consumers recognize the principle that higher returns often come with higher risks [6] - 76.92% of consumers know that a poor credit record can affect loan applications, but only 46.47% understand the duration for which negative records are kept [6] Demographic Analysis of Financial Literacy - Financial literacy scores show a "U" shape by age, peaking at 70.11 for the 30-39 age group and declining to 62.16 for those over 60 [7] - Higher income correlates with better financial literacy, with those earning over 240,000 yuan scoring 73.01 [7] - Urban consumers score higher in financial literacy (69.92) compared to rural consumers (63.23) [7] - Eastern regions have the highest financial literacy scores (68.45), while western regions score the lowest (66.99) [7]