经合组织/INFE 2026年金融素养、包容性和福祉衡量工具包

Disclaimers This work is published under the responsibility of the Secretary-General of the OECD. The opinionsexpressed and arguments employed herein do not necessarily reflect the official views of the Membercountries of the OECD. This document, as well as any data and map included herein, are without prejudice tothe status of orsovereignty over any territory, to the delimitation of international frontiers and boundaries and to the nameof any territory, city or area. Photo credits: ©Drazen Zigic/Getty Images © OECD 2026 Attribution4.0 International (CCBY4.0) This work is made available under the Creative Commons Attribution4.0 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 employedin this adaptation should not be reported as representing the official views of the OECD orof 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 andfor any claims of infringement. Any dispute arising under this licence shall be settled by arbitration in accordance with the Permanent Court of Arbitration(PCA) Arbitration Rules2012. The seat of arbitrationshall be Paris (France). The number of arbitrators shall be one. Table of contents 1 Introduction4 1.1. Background41.2. Contents of the Toolkit 202651.3. Scope61.4. The importance and benefits of using the Toolkit 20266 2 Methodological guidance 2.1. Preparing the fieldwork2.2. Fieldwork2.3. Using the questionnaire standalone or as part of other surveys2.4. Coordinating and sharing with the OECD/INFE Secretariat 791213 3 Questionnaire 3.1. Core questions (category 1)183.2. Optional modules (category 2)323.3. Background questions (category 1 and category 3)42 References46 Annex A. Overview of questions48Annex B. Interviewer briefings59Annex C. Checklist for submitting data to the OECD63Notes65 TABLES Table 1 National adaptations breakdown 15 TableAA.1. Summary of questions48 BOXES Box 1. Updates in the Toolkit 20265Box 2. Online surveys10Box 3. Data protection notice12Box 4. National adaptations15Box 5. Categories of questions17 1 Introduction The OECD Recommendation on Financial Literacy(OECD, 2020[1])theinternationalstandard on financialliteracy, aimsto assist governments, public authoritiesandrelevant stakeholders to design, implement andevaluate financialliteracy policies.To inform such policies,it encourages governments and otherstakeholderstouse dedicated national or internationalsurveysto collect high-quality, comparable data onlevels of financial literacy. This document presents the OECD/INFE Toolkit for Measuring Financial Literacy, Inclusion and Well-Being2026(hereafter, “Toolkit 2026”).It can be used by governments and other stakeholders to collectcomprehensive androbustdata on financial literacy, inclusion and well-beingat the national level, thatisalso internationally comparable. 1.1.Background The OECDInternational Network on Financial Education (OECD/INFE)first developed a Toolkit forMeasuring Financial Literacy and Financial Inclusionin 2009. The Toolkit, containing a questionnaire aswell as accompanying methodological guidance, was developed foruse in an international surveyto becoordinated by the OECD/INFE every three to four years. The first Toolkitwas developedin 2009 via a dedicated working group and drawing on an OECD workingpaper(Kempson, 2009[2]),national surveys, international research and expert advice.It waspiloted in 2010as part of the first OECD international financial literacy and financial inclusion measurement exercise,which led to the publication of the working paper “Measuring Financial Literacy: Results of the OECD/INFEPilot Study”(Atkinson and Messy, 2012[3]).The Toolkitwaswelcomed by G20 leaders in September 2013. The Toolkit was thenupdatedin 2015 and used inthe secondinternational surveyin 2015-2016. Resultswere published in the OECD/INFE International Survey of Adult Financial Literacy Competencies(OECD,2016[4])andacomplementary report wasalsoreleased focusing on the G20(OECD, 2017[5]). Further revisionsto the Toolkittook place in 2018 with the aim of updating its content and enlarging itsscope to also cover subjective financial well-being(OECD, 2018[6]).The Toolkit 2018 was used for the thirdinternational survey in 2019/2020, with results collected in the OECD/INFE 2020 International Survey ofAdult Financial Literacy(OECD, 2020[7]).The