【Abstract】 Nowadays, with the rapid development of China's economy, modern citizens should establish a correct concept of financial business and money awareness. Financial quotient includes two aspects of ability: one is the ability to create wealth and recognize the law of wealth multiplication (i.e., values); The second is the ability to control wealth and apply wealth. Financial and business education is about the child's lifelong happiness, wealth education, it is the use of IQ, emotional intelligence education to put forward the concept of wealth education, the goal is to cultivate children's correct concept of money and basic financial skills, this education is the most pragmatic, the most practical.
It can solve the problems that children face in real life about money and wealth. Through the systematic financial and business education of children, improve their understanding of the means of obtaining wealth and how to enjoy wealth, so that children can quickly find a balance between society and individuals in adulthood, adapt to the requirements of commodity society, and gradually realize the consummation of personal career and life. Therefore, this paper takes the activities of the children's financial and business education project as a research case, and systematically sorts out the practice of the project in children's financial and business education, in order to extract the general conclusions and enlightenment of the reference significance for the children's financial and business education.
【Keywords】 Children's financial quotient, financial quotient concept, financial quotient education
First of all, because children are in the cognitive stage, at this time, when they are exposed to some financial elements, they will internalize these related concepts into consciousness, and like other learning and growth, from the surface to the inside, from shallow and deep, from simple to complex, orderly forming a knowledge system. If they go beyond the children's stage to learn financial quotient, they will learn financial quotient as a course, rather than naturally forming a sense of financial quotient as in the early childhood stage.
For the establishment of a person's financial and business thinking, it has irreplaceable significance in the childhood stage. As we all know, 0 to 6 years old is the fastest stage of children's brain development, and the establishment of brain thinking is also formed at the fastest speed at this stage. Financial and business thinking is a kind of human thinking, any kind of thinking, is a person in a deliberate or unintentional specific environment of stimulation and production, so in this period to give children financial business environment, guidance and stimulation, will give children such as reverse thinking and other thinking the same financial business thinking, and this thinking is always accompanied by people every time to face things reaction and thinking, so in the children's stage to help children form financial thinking, will let children encounter financial problems when they grow up, Naturally, he follows the financial and business thinking to make judgments and make decisions, because this is already a thinking ability of his, a habit of thinking.
It is even more important to develop the habit of financial management for children at the child stage. As we all know, the children's stage is the key period for the formation of children's lifelong habits, and the formation of habits at this stage is basically accompanied by the child's life. Therefore, at this stage, it is difficult for the child to develop the habit of financial management, and after the child grows up, it is difficult to not let him manage the money! If you miss this period, it will be relatively difficult for children to cultivate the habit of financial management. Because the formation of a habit in the childhood stage, only needs to be guided and implemented by adults, basically a habit of the child can be formed. And after the children's stage, assuming that the child has developed the habit of loving to spend money and spending money, at this time to change his habits, it is relatively more difficult, the success rate will be lower, capable parents, will do better, and parents without ability, it is more difficult to do!
Therefore, the formation of children's financial habits in the children's stage is the most important critical period. In the early childhood stage, it is also very important to build children's financial interest. Interest is the driving force for a person to explore, and childhood is also the best time to guide children to establish interest. When he was a child, he was just exposed to a lot of new things, and for children, it was also a screening process, he would sift through the things he didn't like and leave what he liked. And if the child finds a particularly favorite thing in the sensitive period, then in this regard, he will have more in-depth exploration and learning, so in this period, if the child contacts the financial quotient and forms his interest, then he will diligently explore the financial quotient until he is very clear and clear, he will be satisfied. At this time, the children's financial quotient has gone through consciousness, enlightenment, and reached the stage of interest, and then further up is to learn more deeply.
The development of financial education courses has promoted the deeper development of financial and business education. In the children's financial education project, an implementation plan for the development of financial education courses has been formed. Shanghai Baxter Education Consulting Center has given the actual needs of schools and the purpose of promoting children's financial education, and has begun to promote and implement financial education courses based on children's financial management comic books and children's financial cartoons in some schools. At the same time, it also provides relevant support for some schools to carry out their own financial and business education courses. There are two forms of activity courses for children's financial and business projects:
Format 1: Ongoing financial education courses
The continuous financial and business education course is mainly carried out by shanghai baxter education consulting center to provide teachers for schools to carry out financial management courses. The development of this curriculum is systematic, and Shanghai A Primary School and Shanghai B Primary School are specially selected as pilots to systematically educate primary school students on financial and business knowledge. Among them, Shanghai A Primary School: a total of 10 class hours, 42 students participated; Shanghai B Primary School: A total of 10 lessons were attended by 48 students.
The specific content of the course mainly includes five parts, including currency, debit card, credit card, savings, and banking, as shown in the following table:
| Course name | Main content | Number of lessons |
| Shrinking currencies | Exchange rates, online shopping | 2 lessons |
| Debit card storm | Proper use of debit cards and knowledge of debit cards | 2 lessons |
| Musical seduction | Proper use of credit cards and knowledge of credit cards | 2 lessons |
| Life savings | Learn to make a family budget | 2 lessons |
| Urgent recall | Banking-related business content | 2 lessons |
Form 2: Financial Education Demonstration Class
The author interviewed the project team of the children's financial and business education project and learned that in order to promote the public's awareness of children's financial management courses, Shanghai Baxter Education Consulting Center has set up financial management demonstration classes in two schools that intend to open their own financial education courses. By selecting some typical model financial management content, students are disseminated financial knowledge and improve their financial skills.
| Course name | Main content | Number of lessons | Carry out schools |
| Shrinking currencies | Exchange rates, online shopping | 2 lessons | Shanghai D Primary School (38 students participated) |
| Life savings | Learn to make a family budget | 2 lessons | Beijing E Primary School (40 students participated) |
In summary, it can be seen that in the process of promotion, the children's financial and business education project has been piloted in different schools through the pilot of financial and business education courses, adhering to the combination of points and surfaces, and finally achieving the effect of leading the face with points, and comprehensively promoting the development of financial and business education. We can learn from the development experience of children's financial and business education projects. Initiated by enterprises, the project has finally been recognized and supported by the government, schools, non-governmental organizations and parents, which has promoted the development of financial and business education. Proceeding from the perspective of the mainland's national development strategy, the government can earnestly attach importance to and strengthen the development of financial and business education, increase the investment in financial and business education in the development of financial and business education on the mainland, and implement the system and policy of formulating financial and business education as soon as possible. At the same time, relevant departments should also be organized to formulate a curriculum education system suitable for the stage and level of physical and mental development of financial and business education, and incorporate it into normal daily teaching, so as to improve the entire financial and business education system and make it a planned, organized and systematic scientific management system.
Students live in a real society. Their financial concepts and behaviors are inevitably influenced by the political, economic, cultural and moral aspects of society. These influences are complex and multi-layered in comparison with schooling. With the increase of students' age, the expansion of the field of life and the extensiveization of communication, the social forces that exist around them have an increasing impact on the formation and development of students' financial concepts and behaviors. The children's stage is the best time for students to receive new knowledge, which can allow students to initially feel the relationship between people and the economy, and cultivate their ability to adapt to the economy and society. Therefore, let the child be a "happy little rich man" as soon as possible!
【References】
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The author of this article is Lin Xia, senior children's financial and business instructor in Sichuan
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