经济合作与发展组织/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 Member 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 name 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 the 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. Table of contents 1 Introduction 1.1. Background1.2. Contents of the Toolkit 2026 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 3 Questionnaire 3.1. Core questions (category 1)3.2. Optional modules (category 2) References Annex A. Overview of questions48 Annex B. Interviewer briefings TABLES Table 1 National adaptations breakdown15 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 OECD/INFE TOOLKIT FOR MEASURING FINANCIAL LITERACY, INCLUSION AND WELL-BEING 2026 © OECD 2026 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 other 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, thatis 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 as 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/INFE 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, 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 Toolkit 2018 was also used to collect financial literacy data A subsequentrevision of the Toolkit wascarried outin 2022 to reflect the evolving size and nature of theconsumer financial services market, new financial products and servicesandincreased digitalisation of thefinancial sector(OECD, 2022[10]). The Toolkit 2022 included an initial set of questions to measure digitalfinancial literacy. It also included questions about holdingand use of digital financial products and services,holding sustainable finance products and attitudestoward sustainable finance. The Toolkit 2022 was used Therevisionsin the Toolkit 2026 reflect abalancebetweenthe need to maintain comparability withprevious OECD/INFE surveys and results, with the need to ensure a high-quality measure of financialliteracy that is in line with recent trends anddevelopments.These revisionsconsiderthe experiences ofcountriesand economiesthat have measured financial literacy using previous versionsof the Toolkit, Box1. Updates in theToolkit 2026 Updates in theToolkit2026include: •reorganising questions into three categories, including creating modules with optional questionswhich can be used by countries an