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alt="CN職場指南網(wǎng)" src="http://jzcjspjx.com/static/img/cn_logo2.jpg"></a> <a title="投資理財" class="lanmu" href="http://jzcjspjx.com/goldjob/money/" target="_blank">投資理財</a> </div> <div id="o5r45zf" class="sidebar"><span>當(dāng)前位置：</span><a href='http://jzcjspjx.com/' title="CN職場指南網(wǎng)">CN職場指南網(wǎng)</a><code>></code><a href='http://jzcjspjx.com/goldjob/' title="創(chuàng)業(yè)">創(chuàng)業(yè)</a><code>></code><a href='http://jzcjspjx.com/goldjob/money/' title="投資理財">投資理財</a><code>></code><span>國外的孩子是如何理財?shù)?/span> </div> <div id="t5cbolo" class="search"> </div> <div id="9vog94i" class="rougao"> <a target="_blank" href="http://jzcjspjx.com/usr/login.html" title="我要投稿">我要投稿</a> <a target="_blank" href="http://jzcjspjx.com/contact.html" class="jianyi" title="投訴建議">投訴建議</a> </div> </div> <div class="wy9uty4" id="main"> <div id="yvsodo9" class="main-left"> <div id="akrglev" class="article"> <h1 class="title">國外的孩子是如何理財?shù)?/h1> <div id="fflvhwj" class="info"> <span id="ubldteb" class="time">時間：2020-12-31 11:49:24 </span> <span id="mnaj4jc" class="sm_after_time"></span> <span id="roe0dal" class="source"><a target="_blank" href="http://jzcjspjx.com/goldjob/money/" title="投資理財">投資理財</a></span> <span id="wfjv5zl" class="source"><a target="_blank" href="http://jzcjspjx.com/usr/login.html" title="我要投稿">我要投稿</a></span> </div> <div id="95zerxy" class="content"> <div id="4rldea5" class="excellent_articles_box"><ul> <li id="h0hsqj0" class="excellent_articles_title">相關(guān)推薦</li> </ul></div> <p>國外的孩子是如何理財?shù)?/p> <p> <strong>　　以色列：更重視智慧與責(zé)任</strong></p><p style="text-align: center;"><img loading="lazy" src="https://p.9136.com/00/l/baa2d7d31_2.jpg" alt="國外的孩子是如何理財?shù)?/></p> <p> 　　很多中國人都知道猶太人對孩子的理財教育很有一套。據(jù)介紹，他們并沒有明確地按年齡段劃分為小孩子專門開設(shè)的理財課程。在猶太家庭教育中，關(guān)于錢的教育有以下幾大基本原則：</p> <p> 　　首先是每個人都有明確的物權(quán)概念，要保護自己的財產(chǎn)，同時要尊重別人的財產(chǎn)，損害要賠償，侵占要付出代價;</p> <p> 　　第二，對于錢或者個人財產(chǎn)要知道珍惜，不可以浪費，猶太人講究節(jié)儉，生活基本功能得到保障就可以。</p> <p> 　　猶太人的理財教育中最為重要的是關(guān)于錢的最核心理念，那就是責(zé)任。孩子知道錢是怎么來的，也就更進一步地知道了節(jié)儉。不光要節(jié)儉，還要懂得付出，懂得慈善。</p> <p> <strong>　　美國：號召孩子從小儲蓄</strong></p> <p> 　　美國兒童的理財教育從孩子很小的.時候就開始，同時也得到美國政府的重視。通過美國教育部資助，全國34個州的3000所中小學(xué)生每年會參加一項儲蓄計劃———“為美國而儲蓄”計劃。</p> <p> 　　美國兒童理財教育最主要還是來自家庭和學(xué)校。從孩子踏進幼兒園起，孩子們就會接受有關(guān)理財概念。他們會知道錢是什么以及錢在生活中是何等重要。在美國，鼓勵孩子打工是教會孩子處理財務(wù)的重要手段之一，美國每年大約有300萬中小學(xué)生在外打工。此外，美國人常常將自己不需要的東西拿出來拍賣或者捐贈，而小孩也會將自己用不著的玩具擺在家門口出售，以獲得一點收入，剩余物品全部捐給慈善機構(gòu)。學(xué)校也在開設(shè)相關(guān)課程的同時，鼓勵學(xué)生研究證券市場、投資理財、信貸業(yè)務(wù)，其中捐贈免稅的理論也在課程中體現(xiàn)。</p> <p> <strong>　　英國：儲蓄理財成為中小學(xué)生必修課</strong></p> <p> 　　英國人的理財教育方針是提倡理性消費，鼓勵精打細算，并且把他們這種理財觀念傳授給下一代。在英國，兒童儲蓄賬戶越來越流行，大多數(shù)銀行都為16歲以下的孩子開設(shè)了特別賬戶，有1/3的英國兒童將他們的零用錢和打工收入存入銀行或其他金融機構(gòu)。</p> <p> 　　英國政府最近又公布了一系列新的教學(xué)改革計劃，根據(jù)這一系列計劃，從2011年秋季開始，儲蓄和理財將成為英國中小學(xué)學(xué)生的必修課。</p> <p> 　　英國兒童事務(wù)官員表示，兒童從5歲開始就要接受理財教育，搞清楚硬幣和紙幣的區(qū)別，要懂得錢的不同來源，并懂得錢可以用于多種目的;7歲到11歲的學(xué)生要學(xué)習(xí)管理自己的錢，認識到儲蓄對于滿足未來需求的作用，學(xué)習(xí)如何管理銀行和儲蓄賬戶，如何做預(yù)算。</p> 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