金融素养从娃娃抓起

3月15日，证监会与教育部联合印发《合作备忘录》，称将在学校教育中大力普及证券期货知识，推动全社会树立理性投资意识，提升国民投资理财素质，将投资者教育逐步纳入国民教育体系。

An investor looks at share prices at a brokerage in Fuyang, Anhui province, on Friday. [Photo by Wang Biao / For China Daily]

Chinese primary school textbooks may soon include definitions for terms like “price-to-earnings ratio” or “buy and hold” as the country embarks on a campaign to improve investor awareness.

随着中国开始提高民众投资意识，小学教科书可能很快会加入“市盈率”或“买入并持有”等术语的定义。

China’s ministry of education and the country’s securities regulator said they would be working together to “increase financial literacy” among China’s youth. Officials said the campaign to improve understanding of the country’s securities and futures markets would begin with textbooks for primary and middle schools.

中国教育部和证监会称，将共同努力“提升(青少年)投资理财素质”。有官员表示，提高对本国证券和期货市场的了解将从中小学教科书开始。

For years, authorities have been trying to improve financial literacy as retirees or less savvy investors have lost their savings to risky schemes or fraud.

近年来，中国许多退休人员或不懂行的投资者因为有风险的投资项目或遭欺诈而损失积蓄，为此政府一直尽力提高民众的金融素养。

Over the last year, thousands of Chinese have lost money in peer-to-peer lending schemes gone wrong and other online scams. At least one person, a woman in Zhejiang province, reportedly committed suicide after losing about $40,000.

去年，数千名中国人因为网络借贷平台倒闭或遭网络欺诈而损失钱财。据报道，浙江省一位女性在损失了大约4万美元(约27万元人民币)后结束了自己的生命。

“This has great significance for maintaining social harmony and stability,” said Gao Li a spokesperson for the securities commission said on Friday.

证监会发言人高莉说：“这对保持社会和谐稳定有重要意义。”

As China seeks new funding for cash-strapped companies and local governments, and opens the door to more foreign money entering its stock exchanges, it is looking to upgrade the sophistication of Chinese investors.

如今，中国正为资金不够充裕的公司和地方政府寻求新的资金，并对更多的外资进入股市敞开大门。因此，中国打算提高投资者的水平。

cash-strapped['kæʃ,stræpt]：adj.缺乏现金的;没有足够资本的

Tech companies have unveiled financial literacy apps for kids while schools in cities like Shanghai, Guangzhou and Shenzhen have introduced related lessons. In 2014, students in Shanghai scored the highest of any country on a financial literacy test conducted by the OECD.

中国的科技公司已推出面向孩子的金融知识应用。上海、广州和深圳等城市的学校也引入了相关课程。在2014年经合组织开展的金融素养测试中，来自上海的学生名列榜首。

Officials said they would also focus on improving the financial literacy of teachers, encourage universities to offer related courses to all students, and find other “innovative” ways to improve understanding of markets like internships or virtual trading. The country’s securities regulator said it would also be offering its own courses and lectures.

有官员们表示，他们还将致力于提高教师的金融素养，鼓励高校面向所有学生开设相关课程，采用实习、虚拟交易等其他“创新”方式增进学生对市场的了解。中国证监会也表示会提供课程和讲座。