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2025-01-31 00:26本頁(yè)面
【正文】 f their programs can contribute significantly to the identification of “best practices” and the setting of policies that may lead to consumers who are better equipped to survive and, more important, thrive in our vibrant, diverse, plex financial marketplace. In conclusion, strengthening the profession requires defining or redefining the mission。 and most of these educational efforts are being presented under the name of “financial literacy.” However, multiple names are being used to identify teaching and research work that is being done in personal finance. Some of the names that have been used for a long time include Consumer Economics, Consumer Affairs, Family and Consumer Sciences, Family Economics, Family Economics and Resource Management, Family Finance, Family Financial Management, Household Economics, and Personal Finance. More recent names include Household Finance, Household Behavioral Finance and Financial Literacy. Since the 1990s, the use of the term financial literacy has gained momentum。 and planning of taxes, retirement, and estates (Schuchardt et al. 2021). Financial Education in the Current Economic Environment Currently a great deal of attention is being drawn to this area from public, private, profit and nonprofit entities. As concerns about consumers’ financial capability have increased, so too have the number and variety of financial education programs and program providers. However, some programs offer prehensive information on a variety of topics for a broad audience, including savings, credit, risk management, investments, retirement planning and similar topics. Others are focused on a single topic such as credit management, retirement planning, and investing。 and personal and family factors. Personal finance enpasses tools such as financial statements, checking and savings accounts, debt instruments, mortgages and investment vehicles. It also includes techniques related to cash flow management。 government agencies。 and increased employee responsibility for directing their own investments in employer‐sponsored retirement and pension plans. The prevailing concern is that consumers lack a working knowledge of financial concepts and do not have the tools they need to make decisions most advantageous to their economic wellbeing. Financial decisions made by consumers affect an individual’s or family’s current financial wellbeing and ability to save for long‐term goals such as buying a home, seeking higher education, or financing retirement. In addition, the consumer decisions also play an important role in the overall economic health of the nation, as was experienced through the recent economic crisis. Most recent economic issues such as credit card debt, home foreclosures, reduced savings, declining values of investments, the collapse of the subprime lending market, and escalating numbers of personal bankruptcy have focused the nation’s attention on the importance of financial education. Technological advances have transformed nearly every aspect of the marketing, delivery, and processing of financial products and service. The forces of technology and market innovation, driven by increased petition, have resulted in a sophisticated industry in which a wide array of providers offers consumers a broad spectrum of financial products and services. These developments have given consumers more options and greater flexibility in creating financial arrangements that best suit their needs. However, a plex and specialized financial services marketplace req
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