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推廣理財智慧,建構幸福社會

研究顯示,在年幼時學習理財,對長大後的理財能力及心理質素均有裨益。較高的理財能力不僅有助儲蓄、減少債務和改善退休生活 (Cole, Paulson & Shastry, 2014; Jamison, Karlan, & Zinman, 2014),還能提高生活滿意度及減低抑鬱症狀等 (Gudmunson & Danes, 2011; Xiao, Chen, & Chen, 2014)。因此,家長、教育人士、僱主及社會大眾均視理財能力為重要的生活技能之一 (Johnson & Sherraden, 2007; Sherraden, Johnson, Guo, & Elliott, 2011)。

鑑於理財教育的重要性,全球已經有20多個國家將其納入其正規學校課程,包括加拿大,日本,英國和美國等 (OECD/INFE, 2013);反觀香港作為世界金融中心之一,卻尚未把理財教育納入學校課程。

為此,林麗文小姐、何倩兒小姐、林達誠先生和李錦博士於2016年成立了「理財啟苗」兒童及青少年理財教育推廣基金有限公司 (下稱基金會) ,以非牟利方式運作,竭力推動兒童、青少年及親子理財教育,為整體社會帶來正面及長遠的效益。

Cole, S., Paulson, A., & Shastry, G. K. (2014). Smart money? The effect of education on financial outcomes. Review of Financial Studies, 27(7), 2022-2051.

 

Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: Theory and critical review. Journal of Family and Economic Issues, 32(4), 644-667.

 

Jamison, J. C., Karlan, D., & Zinman, J. (2014). Financial education and access to savings accounts: Complements or substitutes? Evidence from Ugandan youth clubs. National Bureau of Economic Research, w20135.

 

Johnson, E., & Sherraden, M. S. (2007). From Financial Literacy to Financial Capability among Youth. Journal of Sociology & Social Welfare, 34, 119.

 

OECD/INFE. (2013). Financial education for youth and in schools. Paryż: OECD.

Sherraden, M. S., Johnson, L., Guo, B., & Elliott, W. (2011). Financial capability in children: Effects of participation in a school-based financial education and savings program. Journal of Family and Economic Issues, 32(3), 385-399.


Xiao, J. J., Chen, C., & Chen, F. (2014). Consumer financial capability and financial satisfaction. Social Indicators Research, 118(1), 415-432.

 

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