经合组织/INFE关于气候相关风险和可持续金融的知识、态度和行为的调查工具

Disclaimers This work is published under the responsibility of the Secretary-General of the OECD. The opinions expressed and arguments employedherein 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 tothe status of or sovereignty over any territory, to thedelimitation of international frontiers and boundaries and to the name of any territory, city or area. Photo credits:©Getty Images/Hand-robot ©OECD2026 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 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 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 Disclaimers2 1 Introduction4 1.1. Purpose1.2. Structure and scope1.3. Development 456 2 Methodology9 2.1. Target population2.2. Minimum sample size2.3. Adaptations2.4. Co-ordinating and sharing with the OECD/INFE2.5. Further methodological guidance 999910 3 Questionnaire 3.1. Module 1: Personal characteristics113.2. Module 2: Impact of climate-related risks on personal finance123.3. Module 3.Understanding sustainable finance products173.4. Module 4. Additional personal characteristics and background information24 References 27 Notes29 1 Introduction The OECD Recommendation on Financial Literacy(OECD, 2020[1])highlights that financial literacy canimproveindividuals’financial resilience to environmental and climate-related risks. This resilience is builtthrough forward-looking personal finance management. Furthermore, financial education related tosustainable finance can support consumers to align their saving and investment choices with theirsustainability preferences and protect them from emerging risks in the financial sector, such as the risksof greenwashing, social washing or the risk of mis-sellingor misplacement of assets. Following the adoption of major international commitments, such as the Paris Agreement(UNFCCC,2015[2])and the UN 2030 Agenda for Sustainable Development(United Nations, 2015[3]), more emphasishas been given to researching and understanding theimpact offinancial products and servicesonsocialand environmental dimensions. Financial services providers have increasingly incorporated considerationsrelated to environmental sustainability and social responsibility into financial products. Regulations relatedtosustainable financehave been developing in some parts of the world. At the same time, many individualsand households around the world have shown interest in sustainabilityissues,includingsustainablefinance. These developments have implications forconsumers’financial literacy, as well asfinancialeducation policies and programmes. On the one hand, some individuals may be or may become vulnerable to climate-relatedand socialrisksthat can affect their financial resilience and financial well-being. On the other hand, the supply side isevolving and the incorporation of Environmental, Social and Governance (ESG) considerations in financialproducts and services increases the complexity of financial products to which consumers have access. Inaddition to understanding whether these types of products respond to their needs and sustainabilitypreferences, consumers may also face new and specific risks, such as greenwashing or social washing. Understanding whether individuals are aware of these trends and able to take appropriate action isimportantfordevelopingfinancial literacy policies and programmes that can ultimately help individualsmaintain or increase their financial well-being and financial resilience in this evolving context. 1.1.Purpose ThisOECD/INFE survey instrument on knowledge, attitudes and behaviours on climate-related risks andsustainable finance(hereinafter “thesurveyinstrument”) is designed to measureindividuals’understandingand behaviours in relation toclimate-related risks