投資理財進課堂 金融素養從娃娃抓起
Chinese primary school textbooks may soon include definitions for terms like “price-to-earnings ratio” or “buy and hold” as the country embarks on a campaign to improve investor awareness.
隨着中國開始提高民衆投資意識，小學教科書可能很快會加入“市盈率”或“買入並持有”等術語的定義。China’s ministry of education and the country’s securities regulator said they would be working together to “increase financial literacy” among China’s youth. Officials said the campaign to improve understanding of the country’s securities and futures markets would begin with textbooks for primary and middle schools.
中國教育部和證監會稱，將共同努力“提升（青少年）投資理財素質”。有官員表示，提高對本國證券和期貨市場的瞭解將從中小學教科書開始。For years, authorities have been trying to improve financial literacy as retirees or less savvy investors have lost their savings to risky schemes or fraud.
近年來，中國許多退休人員或不懂行的投資者因爲有風險的投資項目或遭欺詐而損失積蓄，爲此政府一直盡力提高民衆的金融素養。
Over the last year, thousands of Chinese have lost money in peer-to-peer lending schemes gone wrong and other online scams. At least one person, a woman in Zhejiang province, reportedly committed suicide after losing about $40,000.
去年，數千名中國人因爲網絡借貸平臺倒閉或遭網絡欺詐而損失錢財。據報道，浙江省一位女性在損失了大約4萬美元（約27萬元人民幣）後結束了自己的生命。“This has great significance for maintaining social harmony and stability,” said Gao Li a spokesperson for the securities commission said on Friday.
證監會發言人高莉說：“這對保持社會和諧穩定有重要意義。”As China seeks new funding for cash-strapped companies and local governments, and opens the door to more foreign money entering its stock exchanges, it is looking to upgrade the sophistication of Chinese investors.
如今，中國正爲資金不夠充裕的公司和地方政府尋求新的資金，並對更多的外資進入股市敞開大門。因此，中國打算提高投資者的水平。
Tech companies have unveiled financial literacy apps for kids while schools in cities like Shanghai, Guangzhou and Shenzhen have introduced related lessons. In 2014, students in Shanghai scored the highest of any country on a financial literacy test conducted by the OECD.
中國的科技公司已推出面向孩子的金融知識應用。上海、廣州和深圳等城市的學校也引入了相關課程。在2014年經合組織開展的金融素養測試中，來自上海的學生名列榜首。Officials said they would also focus on improving the financial literacy of teachers, encourage universities to offer related courses to all students, and find other “innovative” ways to improve understanding of markets like internships or virtual trading. The country’s securities regulator said it would also be offering its own courses and lectures.
有官員們表示，他們還將致力於提高教師的金融素養，鼓勵高校面向所有學生開設相關課程，採用實習、虛擬交易等其他“創新”方式增進學生對市場的瞭解。中國證監會也表示會提供課程和講座。
