Since 2023, global economic growth has been weak, and the overall recovery has progressed slowly.Affected by factors such as monetary policies and geopolitical conflicts in various countries, the global financial market is in a turbulent period.
Many European and American banks such as Silicon Valley Bank and Creditkin Bank have successively closed down, and the trust crisis caused by bank closure has caused unstable factor in the financial system.Although it is not like the financial crisis in 2008, it has triggered a strong chain response worldwide, but it still affects all aspects of ordinary people’s lives.
Taking domestic as an example, in the context of the continuous pressure of net interest margins of banks, a number of banks have lowered the deposit interest rate, and the regular deposit interest rates of mainstream banks have entered a 1%era.But even so, it is still difficult to stop the enthusiasm of residents’ deposit.According to data from central banks, the scale of residents’ deposits at the end of 2023 reached 13.79 trillion yuan, an increase of 16.7 trillion yuan compared to the end of 2022.
Residents put more income into bank deposits with almost no risks, which means that they have obvious risk aversion and lack of confidence in expected income and market environment.
As one of the targets of risk aversion funds, the price of gold has continued to rise in 2023. Gold futures and spot prices have reached a record high. At present, domestic gold prices have reached 518 yuan/gram.Interestingly, similar to the phenomenon of “increasing low interest rate deposits of bank deposits”, the more expensive the gold is, the more expensive it is to attract investors to enter the venue.Among them, the influx of young groups has become a trend of becoming the main force of gold investment.Some young people believe that gold has both attributes of investment and value preservation. After experiencing the brutal blows of the fund and the stock market, the relatively stable gold has become their first choice.
The increase in the increase in residents’ deposits and the increase in gold prices. These two phenomena reflect to some extent that in the current financial environment, most ordinary people are more inclined to choose a relatively stable investment method.It’s a good investment choice.
Of course, not everyone is willing to accept low -return investment methods.For those with investment experience, investment futures and stocks are another way to create high returns.Last September, the topic “A -shareholders earned 39,000 per capita per capita in the first half of 2023” appeared on the hot search, but there were many comments similar to “I am average” and “who made money”.As the investment market where risks and income coexist, because of the relatively low threshold for entry, it is the first stop for many people to invest in water investment.However, the lack of professional investment knowledge is the common problem of most ordinary investors. In front of complex markets, the probability of blind investment will run counter to the goal of earning high returns. It is quite good to maintain no loss.
The “Asian Economic Prospects and Integrated Process 2024 Annual Report” released by the Boao Forum for Asia 2024 states that2024 will still be a year of global turbulence and differentiation.
Facing complex and variety of financial markets,Qi Niu School believes that ordinary families want to keep wealth and achieve steady growth, which is not an easy task. The main reason is that domestic families generally lack financial literacy learning.
In the past, many families enjoyed the dividend of the times by the spring breeze of the national economy.Even if you are not interested in financial investment, you can enjoy a relatively high deposit interest rate.If you can have a good income, you may have achieved a small goal of buying a house and a car after years of hard work.
However, at the moment when the high degree of high degree, this high -dependence on deposit interest rate gameplay has been unreasonable, improving the overall financial literacy of the family, and reasonable allocation of family assets is a better choice.
Focusing on the “National Financial White Paper (2022-2023)”, which is led by the National Financial and Development Laboratory of the Chinese Academy of Social Sciences,Su Qin, Dean of Qi Niu Academy Finance Research Institute, pointed out the changes in financial literacy of Chinese people in recent years, namely the improvement of investment and wealth management risk cognition, more rational investment and wealth management product selection, and the trend of financial and middle -aged, older and young groups.Essence
In this regard, how to improve the overall financial literacy of the people through more forms of attempts and explorations has become the key goal of Qixue Academy in 2024.
As an adult online financial literacy knowledge learning platform, Qi Niu Academy has been committed to improving the financial literacy of the whole people, helping students to improve financial prevention risks and establishing a concept of rational consumption.Qi Niu Academy has continuously explored the “0 threshold” teaching model that is easy to accept the public through various systematic teaching methods such as audio, video, live broadcasts. It is hoped that in a more understandable way, it will tell students to tell professional financial knowledge.
The most important thing is that systematic learning can not only help students have sufficient financial literacy, make reasonable asset allocation of individuals and family status quo, but also affect other family members in virtue, and master more financial literacy knowledge in life.Help them better respond to the opportunities and risks they may encounter next.
Financial literacy, some people seem to be nothing.In fact, every family member will face different “financial literacy challenges” in daily life.
The elderly group has always been a high incidence of telecommunications fraud and financial fraud.Related data show that in 2023, the national public security organs cracked 437,000 cases of telecommunications network fraud, with a total of 2.75 billion interceptions of scam calls, 2.28 billion SMS, and urgently intercepting the funds involved in the case of 32.88 billion yuan.
The “China Pension Financial Survey Report 2023” released by CAFF50 shows that the survey results show that 14.14%of the survey stated that he has experienced deceived experience in financial investment. Although it has decreased significantly compared with 30.30%in 2017, it has decreased significantly, but it has decreased significantly, but it has decreaseThe proportion of deceptions still exceeds 10%.Among them, the 60 -year -old and above elderly people have the greatest risk of being deceived, reaching 23.87%.The report pointed out that the main reason for being deceived in the elderly group is the lack of basic financial knowledge, and it is not possible to distinguish the authenticity of the corresponding clauses in financial investment activities.It is easy to be confused by “high returns” and “0 risks” in propaganda, thus walking into the trap set by scammers step by step.
In response to the lack of basic financial knowledge, the “0 Basic Training Camp” of Qi Niu Academy was explained by a professional teacher to help financial Xiaobai take the first step from scratch.In order to reduce the learning costs of elderly groups, Qi Niu will disassemble professional knowledge into examples connected to daily life through live broadcasting, video or audio.Community -style teachers and friends accompany the learning mode, which can better answer students’ questions,In a relaxed and happy atmosphere, help the elderly to establish the correct concept of financial anti -fraud, thereby reducing the risk of being deceived.
Except for the elderly group,As the mainstay of the family, middle -aged groups often bear the pressure of revenue and expenditure. How to reasonably allocate family assets has become the primary problem of such groups.In order to improve family life, some people may choose high -yield investment products with higher risks, such as stocks, funds, futures, etc. In the absence of professional knowledge, blind investment can easily cause loss beyond imagination.
Qi Niu School has two courses: “Excellent Course” and “Practical Training Camp”. The former has a systematic comprehensive large -class course. Through cases, students will tell students about family asset allocation and rich thinking.The latter uses the training camp mode to carry out teaching, and enhances students’ awareness of fund, stock, insurance, and financial reports through cases and practical exercises.No matter which level of financial literacy you have or not, you can find a promotion course that suits you in Qi Niu Academy.The establishment of a correct investment concept of middle -aged groups will lead the future development of the family.
Middle -aged and elderly groups continue to learn financial literacy. The influence is far more than itself, but also the future generation of the family.In recent years, advanced consumption is a hot topic bundled with the younger generation. The threshold for borrowing of Internet financial platforms is low, and young people can easily borrow advance consumption. Some young people with poor self -control capabilities have caused money to collapse because they come too much.Causes difficult losses.
More and more parents are also aware of the importance of children’s financial care. According to surveys, up to 66%of parents are still limited to their lack of knowledge of their knowledge and difficult to systematically educate their children.And school education has different importance to the cultivation of financial literacy. Therefore, how to correctly guide children to understand and manage money has become an important issue for modern parents.
Qi Niu School believes that the key to the cultivation of children’s finance is parents, and family education is irreplaceable.When parents have rich knowledge of financial literacy, they can teach themselves in their lives to help their children better understand what financial literacy is.Starting from simple management pocket money, to gradually forming the correct concept of money, courses such as “Wealth Planning” and “Family Assets Configuration” of Qixue Academy will accompany the children’s financial development of each stage.
It is the original intention of enlightening financial literacy into thousands of households.For the user groups of different financial literacy foundations, Qixue Academy provides different depth curriculum content, helps students to establish a sense of rational consumption in a pretty easy way, rationally allocate family assets, enhance financial risk prevention capabilities, and carry out children’s finance cultivation.