Children's financial quotient training

Financial quotient: the original meaning is "financial IQ", and the English abbreviation is FQ(financial Quotient). Financial quotient refers to the ability of individuals and collectives to know, create and manage wealth, including ideas, knowledge and behavior.

Financial quotient includes two abilities:

First, the ability to correctly understand the law of wealth and wealth multiplication (that is, values);

Second, the ability to control wealth and the correct application of the law of wealth multiplication prove that 3- 15 years old is the best time to receive financial business education, and financial business education should start with dolls.

For the practical strategies of children's financial education, I put forward the following suggestions:

To educate children about financial management, it is necessary to understand the development level of children's money consciousness at different stages according to their psychological development characteristics, so as to carry out corresponding financial management education practice. For young children, we should gradually guide them to form a good sense of money and really promote their quality.

First, seize the critical period.

Critical period, also known as optimal period, sensitive period, critical period and turning period, refers to the most sensitive period or preparation period for the development of specific skills or behavior patterns. If there is no proper environmental stimulus during this period, this behavior will not happen again. 3-6 years old is the embryonic stage of the concept of money, and it is also the key period for children's financial and business development. At this time, children just have a preliminary understanding of money, and this period is also the development period of children's mathematical logic. In the meantime, we should cultivate children's financial awareness and ability. Parents and kindergartens should form a general understanding and seize the favorable opportunity to carry out appropriate financial and business enlightenment education.

Second, give priority to physical objects and conduct education in specific situations.

The main thinking form of children aged 3-6 is figurative thinking. It mainly depends on the concrete image or representation of things, rather than on concepts, judgments and reasoning. The representation here is the retention of the image of external things in the mind. Therefore, when educating children about financial management, they should focus on physical objects, try to do it in specific situations, and reduce abstract preaching that is divorced from specific situations. In life, parents can take their children to banks and supermarkets and let them participate and experience themselves; When educating children about financial management, kindergartens should combine teaching with physical objects, and when teaching children to recognize money, let them feel and deepen their impressions.

Third, create a favorable environment and stimulate interest.

3-6-year-old children's attention is mainly unintentional attention, and intentional attention develops gradually. There are two main characteristics: ① The physical characteristics of stimulus are the main factors that cause unintentional attention. Such as powerful voice, bright color and vivid image. ② Stimulators closely related to children's interests and needs have gradually become the cause of unintentional attention. Children's life experience is richer than before, and they have their own interests and hobbies for some things, which are in line with children's interests and can easily attract children's unintentional attention. When educating children about financial management, we should base ourselves on these two characteristics and create an environment conducive to cultivating children's awareness of financial management. In creating the physical environment, parents can post various digital wall charts, digital pictures and buy some digital toys on the walls at home. Starting from cultivating children's mathematical concepts, they can familiarize children with numbers and stimulate their interest. In addition, you can buy beautiful piggy banks for your children to save, consciously read digital nursery rhymes and play digital games with them, and educate them about numbers and savings at any time in daily life, which will pave the way for cultivating children's financial awareness. Kindergartens can set up corner activities and put relevant toy materials in the corner to make children gradually interested in financial management. For example, children's picture books about mathematics and finance are placed in the reading area, and shops are set in the doll's house. In the creation of spiritual environment, the creation of family spiritual environment is mainly manifested in the subtle influence of parents on their children in daily life. Parents should establish a correct concept of financial management, adopt encouraging language and set a good example.

At the same time, we should also pay attention to the use of strategies, such as:

1, environment interaction strategy.

Children's image is based on full interaction with the surrounding environment, so we should always pay attention to interaction in children's financial education to help children fully connect the concept of financial management with the environment and enhance their understanding. For example, the interaction between children and property can be promoted through the creation of environment, the arrangement of digital wall charts, or the opportunity to intentionally pay for children when shopping outside.

2. Pay attention to strengthening strategies.

Children's observation needs not only the guidance of adults, but also the intentional attention of children. Only when the quality of children's attention is improved can children pay attention to things around them, so that children can find problems, explore problems and finally have the desire to express themselves. This is especially true in financial management education. Although children's unintentional attention is dominant, we should also pay attention to the development of intentional attention. Parents should purposefully and systematically tell their children some financial management skills, such as saving and bookkeeping, and encourage them to operate, accumulate experience in intentional operation, find problems and take the initiative to explore.

Parents should attach importance to the cultivation of children's financial quotient, so that children can have a correct view of money, the concept of using wealth and the concept of controlling wealth from an early age.