在不断出现大学生因不懂信用卡需每月还款而产生巨额债务的现象时,有论者将之归因于银行的“奸诈”计谋。但当人们冷静下来,仔细思考这种现象背后的社会和教育问题时,便会发现中小学教育中缺少一项重要的内容——理财教育。在学术领域,学者们早已把理财教育的目标和结果定义为“财商”(FQ),主要指认识、创造和管理财富的能力,包括观念、知识和行为三方面内容。由于财商教育涉及观念和习惯,需要从小开展,故应该成为中小学教育的必修内容之一。现实中确有优秀班主任在本班教育活动中注重培养学生的理 In the constant emergence of college students who do not understand credit card monthly repayment and the huge debt phenomenon, some have attributed the bank’s “treacherous” strategy. However, when people calm down and think carefully about the social and educational issues behind this phenomenon, they find that there is a lack of an important element in primary and secondary education - financial education. In the academic field, scholars have long defined the goal and result of financial education as “FQ ”, mainly referring to the ability to recognize, create and manage wealth, including the three aspects of concept, knowledge and behavior. Since financial education involves concepts and habits and needs to be carried out as early as possible, it should become one of the compulsory parts of primary and secondary education. In fact, there are indeed outstanding class teacher in this class education activities focus on training students