A speech on popularizing financial knowledge

1. Popularize financial knowledge (why it is important to popularize financial knowledge)

Popularize financial knowledge (why it is important to popularize financial knowledge) 1. Why is it important to popularize financial knowledge?

The "truth" of finance makes people have a unique vision. False gold is plated with real gold, and real gold is not plated with gold. For most people, finance is a very professional field, with a wide variety of products, abstract and complex relationships and endless innovations. In addition, finance itself is also undergoing great changes, from participating institutions to operating models, from risk composition to technical means. Even financial practitioners, it is often difficult to know them like the back of their hands, let alone ordinary people. So there appeared a liar and robber, BLACKPINK, in an attempt to seize such a rare "Nugget Feast". The prevalence of all kinds of financial fraud has become a major hidden danger affecting social stability during the economic downturn.

What is commendable about interesting finance is that it transforms professional knowledge that ordinary people find difficult to master into popular language and spreads it patiently. There is a chapter in the book devoted to revealing financial scams and various risks, and extracting the similarities and differences between swindler companies and platforms, such as making up stories, boasting high returns, and claiming great innovations. And provide tools for people who lack financial knowledge and have low financial risk resistance. This is also a broad sense of "financial inclusion".

The "truth" of finance makes people respect justice. As Ouyang Xiu said in "Talking with Yan Zhi", a gentleman has a clear conscience. Especially for researchers in the financial industry, helping the public distinguish between true and false, right and wrong, good and bad requires not only professional analytical ability and independent thinking ability, but also justice and courage to dare to express different views. It usually takes a lot of time and energy to write financial review articles, but the cost performance is not high, which can't attract much attention and bring any fame and fortune, and it is far less affordable than some so-called "expert" platforms. Moreover, in the process of revealing the truth and speaking rationally, it is easy to touch many interests and bear many risks, but these have not made the author afraid. Fun Finance has also collected some hot comments on the development and reform of banks. Some of these viewpoints, such as the discussion on the rationality of bank profits, are inconsistent with the one-sided negative evaluation of banks in society, and the article was severely besieged on the Internet as soon as it was published. However, the author did not stop speaking because of being attacked, but firmly believed that the truth was becoming clearer and clearer, and gradually accumulated communication skills and experience through continuous writing.

Hope to adopt, thank you!

2. Who will help me popularize financial knowledge?

Finance, popularly speaking, is financing, which is an economic category formed after the emergence of credit currency.

Finance is the general name of currency circulation, credit activities and related economic activities. Finance in a broad sense refers to all economic activities related to the issuance, storage, exchange, settlement and financing of credit currency, even including the sale of gold and silver, while finance in a narrow sense refers to the financing of credit currency. Finance, the basic function of financing, is realized by participants in economic and financial activities using various forms of financial instruments (products) in the so-called financial market.

Financial market refers to the sum of the supply-demand relationship and its mechanism formed by taking financial assets as trading objects. It includes the following meanings: the place or network of financial assets trading can be tangible or intangible, first; Reflect the supply and demand relationship between the supplier and the demander of financial assets, secondly; Third, the operating mechanism of financial asset transactions, including the price mechanism.

Financial market is in a special core position in the modern market system, which is mainly reflected in meeting the investment and financing needs of social reproduction functions and promoting the concentration and transformation of capital. In other words, guiding funds from surplus people (organizations) to shortage people is mainly reflected in the following two aspects: First, effectively raising and distributing funds.

As a trading place of financial assets, financial market has the function of gathering and allocating financial resources. The financial market has the function of guiding many scattered small funds into funds that can be invested in social reproduction.

In the real economy, all kinds of economic entities have a certain degree of self-financing ability, and most of the financing needs the help of financial markets. At this time, on the one hand, the financial market gathers the capital supply of different capital subjects, and at the same time distributes the funds to the capital demanders according to certain standards and operating mechanisms.

Under certain conditions, the higher the efficiency of capital allocation, the higher the economic surplus created, and the higher the rate of return of funds (usually called rate of return), so the greater the amount of funds mobilized. Second, realize risk diversification and reduce transaction costs.

In modern economy, fund demanders use corresponding financial instruments to raise needed funds through financial markets, and at the same time, they also spread risks to investors, which is manifested in the transfer of financial instruments in financial markets. In addition, financial instruments are usually traded centrally in the financial market through financial intermediaries, which is conducive to improving the information transparency of the financial market and preventing moral hazard, thus helping to reduce transaction costs.

3. How to do a good job in financial knowledge popularization education

With the rapid development of China's economy and society, finance has penetrated into all aspects of national life. While enjoying convenient financial services, people are constantly encountering new financial risks.

Some P2P online lending platforms, such as "running away" and financial fraud, have not only caused huge losses to consumers, but also brought a certain impact on China's financial stability. In this regard, Bai Hexiang, deputy to the National People's Congress and president of Xi Branch of the People's Bank of China, suggested that financial literacy education should be added to basic education to make it an important part of quality education.

The Report on the Investigation and Analysis of Consumers' Financial Literacy (20 17) issued by the People's Bank of China shows that the overall level of Chinese citizens' financial literacy is not high, and students at school, poor people in remote areas, migrant workers and the disabled should become the key areas and groups of financial consumption education. Among them, the student group is the most suitable group to receive financial education.

The survey shows that teenagers' financial literacy is obviously lower than that of adults, and their awareness of risks and rights and responsibilities needs to be strengthened. Therefore, Bai Hexiang believes: "It is urgent to promote the integration of financial knowledge into the national education system, improve the financial literacy of young people, and improve personal financial discrimination, risk prevention awareness, integrity awareness and responsibility awareness. "

Bai Hexiang suggested that financial knowledge led by the education department and coordinated by the financial supervision department should be incorporated into the working mechanism of the national education system. "The Guiding Opinions on Strengthening the Protection of Financial Consumers' Rights and Interests issued by the General Office of the State Council on 20 15 clearly requires that the Ministry of Education should incorporate the education of financial knowledge popularization into the national education system and effectively improve the national financial literacy".

However, judging from the current progress, some local education departments are not enthusiastic about this work. Therefore, it is suggested that the Ministry of Education should take the lead in establishing a multi-sectoral coordination mechanism, integrate resources, form a joint force, and make overall planning on the goal, planning, implementation, guarantee and evaluation of integrating financial knowledge into the national education system.

He said, "The popularization of financial knowledge is systematic and gradual. The key to promoting the integration of financial knowledge into the national education system is to integrate financial knowledge into basic education." Bai Hexiang suggested that from the perspective of curriculum standards, financial knowledge should be clearly regarded as the main content of quality education in primary and secondary schools. By giving full consideration to students' understanding ability and financial knowledge needs, the curriculum is set up systematically and scientifically from simple to complex, so that teenagers can better understand, master and apply financial knowledge and gradually cultivate good financial behavior, financial attitude and risk awareness.

Bai Hexiang also suggested that local governments at all levels should include financial literacy education funds in their fiscal budgets to ensure that financial literacy is smoothly incorporated into the national education system. "At present, financial knowledge education is based on the principle of public welfare and does not charge any fees to students and schools.

However, judging from the pilot progress of the People's Bank of China, the cost of compiling and printing textbooks is relatively high. Taking the current pilot project in Shaanxi Province as an example, Bai Hexiang said that the number of students in the pilot project is expected to be 6.5438+0.3 million, and the cost of compiling teaching materials is about 6.5438+0.3 million yuan.

It is difficult to guarantee the continuity of this work only by raising funds from the People's Bank of China. In this regard, it is suggested that local financial departments arrange special funds in the annual budget to ensure that schools incorporate financial knowledge into the special funds of the national education system.

4. Popularization of financial knowledge: What is a money fund and how to purchase and redeem it?

Monetary fund assets mainly invest in short-term money market instruments with less risk, such as government bonds, central bank bills, commercial bills, bank time deposit certificates, short-term bonds, etc. It has the characteristics of high security, high liquidity and stable profitability.

If you purchase funds through China Merchants Bank for the first time, you need to go to any branch of our bank (in China) for risk assessment, or purchase funds through mobile banking and conduct the first risk assessment; Need to open the fund account number of the registration institution corresponding to the fund.

Log in to mobile banking and click My-All-Funds to view the list of funds. Click on the product you want to enter the purchase interface. (20 16 1 1.30 After the fund system is upgraded, you can purchase funds on demand without transferring to a wealth management account).

Except for the system liquidation on the trading day of 15:00- 16:00, funds can be entrusted at other times.

Tips:

Monetary funds usually suspend trading in advance to prevent holidays. Please pay attention to the relevant announcement information of fund companies.

Redeem the fund purchased by China Merchants Bank, log in to mobile banking, click "My → All → My Position → My Fund" in the lower right corner, select the fund products to be redeemed, and click "Redeem" to enter the operation interface.

5. How to popularize the basic knowledge of rural finance?

I. Purpose of the event

Publicize financial knowledge, actively guide young people in rural and pastoral areas to establish correct business philosophy, manage money scientifically, master credit and investment skills, increase property income, and give full play to the important role of financial system organizations in improving national financial quality, promoting financial ecological construction, serving youth life, and building new rural and pastoral areas.

Second, the theme of the event

Promote financial knowledge, serve the lives of teenagers and build a new rural pastoral area.

Third, the activity time

XX month to XX month of 20XX year

Four. Activity content

The xx Youth League Committee coordinates relevant financial departments, organizes financial experts and young volunteers from financial institutions, makes full use of the publicity platform of the * * * Youth League Committee and the youth center in rural pastoral areas, and adopts the form that young people love to go deep into rural pastoral areas to widely publicize relevant financial knowledge, transfer financial knowledge of financial products such as stocks, insurance and funds, handle the process of micro-credit loans, and provide common sense on anti-counterfeiting, preventing illegal fund-raising and identifying financial fraud for young people in rural pastoral areas.

(1) Holding on-site financial knowledge consulting service activities.

We will provide financial knowledge consulting services for young people in rural pastoral areas by setting up publicity boards, broadcasting promotional films, giving lectures on financial knowledge, winning prizes in competitions, performing arts in squares and other publicity forms. The Youth League Committee of xx will coordinate the financial securities law research society of xx Law Society, financial office, xx company and other relevant financial departments to tour and preach all kinds of financial knowledge in the whole region.

(2) Establish a financial knowledge service station.

Xx Company has established a long-term cooperative relationship with the youth league committees of counties (cities, districts) and established a financial knowledge service station. Through xx Company's outlets, the series of books on sending financial knowledge to the countryside are distributed to the public to publicize financial knowledge and provide convenient financial services.

(3) Organize activities of offering love and send warm.

Xx Company organizes young members of this system to extensively carry out volunteer activities such as offering love and send warm in rural pastoral areas, and provide targeted financial support to vulnerable groups in rural pastoral areas.

Verb (abbreviation of verb) activity promotion

(a) preparation for the start-up phase

The xx Youth League Committee, in conjunction with relevant financial institutions, set up a leading group to coordinate the activities of "Building Youth, Building a New Countryside and a New Pastoral Area-Sending Financial Knowledge to the Countryside", and formulated and issued an action plan. League organizations at all levels should set up a coordination leading group accordingly, formulate an action plan and report it step by step according to the local actual situation and the demand for youth financial services.

(ii) Full implementation phase

League organizations at all levels and relevant financial institutions comprehensively organize and carry out related activities in accordance with the action plan.

(3) Summary stage

League organizations at all levels and relevant financial institutions summarize the activities carried out in this area, find out the problems existing in the activities and put forward countermeasures and suggestions. Select outstanding actions, outstanding units and individuals of "Young people making contributions to new countryside and new pastoral areas-sending financial knowledge to the countryside", set up advanced models and sum up experience.

Activity requirements of intransitive verbs

(1) Strengthen organizational leadership. League organizations at all levels should fully understand the significance of this activity, strengthen work guidance, and actively provide necessary protection for the activity. It is necessary to absorb the leaders in charge of relevant financial institutions as members of the coordination leading group, strengthen communication and cooperation, build a publicity platform, and strive to form a work pattern of division of labor, cooperation, mutual support and pragmatic management.

(2) Building a long-term mechanism. It is necessary to organize and guide the staff of financial institutions to go deep into the grassroots and youth, and accurately grasp the financial service needs of young people in rural pastoral areas and determine the service items by issuing questionnaires and holding symposiums. It is necessary to strengthen the supervision and inspection of activities, improve the scientific and planned work, strive to build brand activities, and build a long-term mechanism. ?

(3) Pay attention to publicity and guidance. It is necessary to widely publicize and actively guide, and timely release dynamic information about related activities, exchange experiences, and deepen the effect of activities through forms such as group magazines and the Internet. We should actively strive for the participation and cooperation of the news media, create momentum, form a good social atmosphere, and expand the social impact of the activities.

6. Who knows something about finance?

1. Financial market in a broad sense: refers to all financial transactions conducted by both the capital supply and demand sides through various financial instruments, including all monetary and financial activities between financial institutions and customers, between financial institutions and between capital supply and demand sides, such as deposit, loan, trust, lease, insurance, bill mortgage and discount, stock and bond trading, gold foreign exchange trading, etc.

2. Narrow financial market: generally limited to financing activities with bills and securities as financial instruments, interbank lending among financial institutions and gold foreign exchange transactions. 3. Financial market: the general term for monetary fund transactions, gold foreign exchange transactions and interbank lending among financial institutions with bills and securities as financial instruments.

4. Primary market: also known as the issuance market or primary market, it is a trading market formed when fund demanders sell financial assets to the public for the first time. 5. Secondary market: the trading market where the issued old securities are transferred and circulated among different investors.

6. Financial instruments: also known as credit instruments, are legal documents that prove the relationship between creditor's rights and debts and conduct monetary and capital transactions accordingly. 7. Stock: a kind of securities, which is a certificate issued by a joint stock limited company to prove the identity and rights of investors as shareholders and to obtain dividends and bonuses accordingly.

8. Common stock: the basic stock issued by a joint-stock company is the most standard stock. 9. Preferred stock: the stock issued by a joint-stock company that takes precedence over ordinary shareholders in the distribution of company income and remaining assets.

10. Bond: a written certificate issued by the debtor to the creditor to undertake the obligation to repay the principal and interest at the agreed time. 1 1. Treasury bills: * * Short-term debt certificates issued to make up for the temporary shortage of treasury funds.

12. Mortgage company bonds: bonds issued by companies with real estate or chattel as collateral. 13. Credit corporate bonds: bonds issued entirely by corporate credit without using any assets as collateral or guarantee.

14. Converting corporate bonds: This kind of bonds stipulates that bondholders can convert into company shares according to a certain proportion and certain conditions within a certain period of time. 15. Corporate bonds with the right to subscribe for new shares: This bond gives the holder the right to buy new shares of the company.

16. Restructured corporate bonds: bonds with lower interest rates issued by restructured companies to reduce the debt burden. 17. Debt-sinking fund corporate bonds: This kind of bonds stipulates that before the maturity of the bonds, the issuing company should regularly withdraw a certain percentage of the profits according to the total amount of issuance as repayment funds, and hand them over to the entrusted trust company or financial institution for safekeeping, and gradually accumulate them to ensure the one-time repayment of the bonds.

18. financial bonds: bonds issued to the public by banks and non-bank financial institutions in accordance with the relevant state securities law and securities issuance procedures, using their own reputation to raise funds. 19. fund securities: also known as investment fund securities, are securities issued to the public by the sponsors of investment funds, which prove that the holders enjoy the rights of asset ownership, asset income and distribution of surplus property according to shares. It is the product of some equity combinations of stocks, bonds and other financial products.

20. Bill: A negotiable security that the drawer promises or entrusts the drawee to pay a certain amount unconditionally on a specified date or at sight. 2 1. Free foreign exchange: it can be bought and sold freely in the foreign exchange market without the approval of the issuing country, and can be freely converted into currencies of other countries. They are widely used as means of payment and circulation in international economic exchanges.

22. Bookkeeping foreign exchange: Without the approval of the relevant foreign exchange administration departments, it cannot be converted into other countries' currencies, and usually it can only be used between the agreed countries according to relevant agreements. 23. Derivative financial instruments: also known as financial derivatives, refer to a financial product whose value depends on the original financial instruments.

24. Money market: a short-term financial market that deals with financial assets with a maturity of less than 1 year. 25. Inter-bank lending market: a market formed by short-term capital lending activities among various financial institutions.

26. Central bank bills: short-term bonds issued by the People's Bank of China, with maturities ranging from 3 months to 1 year. 27. Pre-issuance market: In reality, there is a kind of national debt transaction that is not conducted after the issuance, but immediately after the issuance announcement. This trading market is also known as the pre-issue market.

For example, WI-Fi transactions in the United States. 28. Transferable certificates of deposit: certificates of deposit issued by commercial banks that can be transferred in the market.

29. Repurchase agreement: When the securities holder sells the securities, it is agreed with the buyer that the seller will repurchase the same amount of similar securities from the buyer at the agreed price on a certain date in the future. 30. Capital increase: An established joint-stock company issues new shares, which is called capital increase.

3 1. Credit transaction: also known as pre-lending transaction or margin transaction, it is a transaction method in which a customer pays a certain amount of cash or stock as a margin to a broker, and the difference is paid in advance by the broker. 32. Option trading: Also known as option trading, it means that both parties to the transaction reach a contract whether to buy or sell a certain stock at an agreed price within an agreed time.

33. Stock index futures trading: futures trading with stock price index as the object aims to reduce the risk of stock investment and increase the attractiveness of stock investment. 34. Stock index option trading: buying and selling option contracts according to the stock price index.

35. Stock Exchange: A place organized according to certain methods and rules for centralized securities trading, also known as the floor trading market. 36. Membership: A stock exchange in the form of membership organization is a non-profit-making legal entity voluntarily formed by intermediaries engaged in securities business.

37. Corporate system: Stock exchanges in the form of corporate system are established according to the Company Law. The exchange collects the issuer's "listing fee" and extracts securities trading service fees such as "handling fee". 38. Commission broker: a broker who accepts the entrustment of clients, buys and sells on the exchange on their behalf, and receives a fixed commission.

39. Two-yuan broker: also known as expert broker, it is specially entrusted by commission brokers to buy and sell on their behalf and charge a certain commission. 40. Special broker: also known as professional broker, refers to a broker who has a special position in the exchange and engages in special securities trading.