加强德国的金融素养：国家金融素养战略建议

PROPOSAL FOR A NATIONAL FINANCIAL LITERACYSTRATEGY Strengthening FinancialLiteracy in Germany PROPOSAL FOR A NATIONAL FINANCIAL LITERACYSTRATEGY This work is published under the responsibility of the Secretary-General of the OECD. The opinions expressed andarguments employed herein do not necessarily reflect the official views of the Member countries of the OECD. This document, as well as any data and map included herein, are without prejudice to the status of or sovereignty overany territory, to the delimitation of international frontiers and boundaries and to the name of any territory, city or area. ISBN 978-92-64-36703-6 (PDF)ISBN 978-92-64-57570-7 (HTML)ISBN 978-92-64-56714-6 (epub) Photo credits:Cover © hanohiki/Getty images. Corrigenda to OECD publications may be found at: https://www.oecd.org/en/publications/support/corrigenda.html.© OECD 2024 Attribution 4.0 International (CC BY 4.0)This work is made available under the Creative Commons Attribution 4.0 International licence. By using this work, you accept to be bound by the terms of this licence(https://creativecommons.org/licenses/by/4.0/).Attribution– you must cite the work.Translations– you must cite the original work, identify changes to the original and add the following text:In the event of any discrepancy between the original work and thetranslation, only the text of original work should be considered valid.Adaptations– you must cite the original work and add the following text:This is an adaptation of an original work by the OECD. The opinions expressed and arguments employed inthis adaptation should not be reported as representing the official views of the OECD or of its Member countries.Third-party material– the licence does not apply to third-party material in the work. If using such material, you are responsible for obtaining permission from the third party and forany claims of infringement.You must not use the OECD logo, visual identity or cover image without express permission or suggest the OECD endorses your use of the work.Any dispute arising under this licence shall be settled by arbitration in accordance with the Permanent Court of Arbitration (PCA) Arbitration Rules 2012. The seat of arbitration shallbe Paris (France). The number of arbitrators shall be one. Foreword The OECD Recommendation on Financial Literacyencouragesgovernments to establish and implementnational strategies on financial literacy. Thesestrategiesrecognise the importance ofdevelopingfinancialliteracy coherently with other policies that fostereconomic and social prosperity and provide a frameworkfor cooperation among allrelevant stakeholders.Financial literacy is one of several inter-connectedpoliciesdesigned to ultimately promote the financial well-being of consumers,alongside financialconsumer protection and financial inclusion. Germany’sFederal Ministry of Finance and Federal Ministry of Education and Research have sought thesupport of the OECD to develop this proposal for a National Financial Literacy Strategy (hereinafter“Strategy”).Byadoptingthis proposal,Germanywilljoinallother G20countries, the 35 OECD Membercountries andmostEuropean Union Member Statesthatare currently implementingnational strategiestosupport the financial well-being of their citizens. InGermany, the design of a National Financial Literacy Strategy takes place in the context of the FinancialLiteracy Initiative launched by the Federal Ministry of Finance and the Federal Ministry of Education andResearchin March 2023. This initiative recognises the need to improvethe general understanding offinancial issues across all generations in Germanyand sees financial literacy as a powerful tool to fosterequal opportunities.Higher levels of financial literacy wouldpromotethe participation ofindividuals andhouseholds in capital markets,supportthem in planning for retirement andhelpavoid old-age poverty.They would also be a pre-requisite for self-determination and participation in the economy. This proposal was prepared by Andrea Grifoni under the supervision of Chiara Monticone and oversightby Miles Larbey, Head oftheFinancial Consumer Protection, Education and Inclusion Unit, and SerdarÇelik, Head of the Capital Markets and Financial Institutions Division, within the OECD Directorate forFinancial and Enterprise Affairs. Theproposalbenefitted considerably from the support, input and reviewofthe Federal Ministry of Finance,theFederal Ministry of Education and Research,the Federal Financial Supervisory Authority(Bundesanstaltfür Finanzdienstleistungsaufsicht, BaFin) and the Deutsche Bundesbank. Table of contents Foreword3 Executive summary6 1 Introduction8 The Financial Literacy Initiative8Sources of evidence9 2 The contribution of higher financial literacy levels to individual financial well-beingand resilience Levels of financial literacy, financial resilience, and financial well-being12The contribution of higher levels of financial literacy to the German economy13 3 Vision and