"Do not spend a penny, teach you to increase wealth", "financial business education" is selling wealth anxiety

　　"Learn to manage money, earn 6,000 yuan a month and be financially free", "Teach you how to increase your wealth without spending a penny", "Cash on your body is a liability"... Similar financial and business education and propaganda are flooding short video platforms.

　　Financial quotient, also known as "financial IQ", refers to people's ability to correctly, rationally and effectively carry out financial investment, wealth management and wealth planning and management on the basis of learning and mastering financial and financial knowledge.

Financial business education aims to improve residents' (family) financial knowledge and the ability to use financial knowledge to solve practical problems.

However, some savage "financial intelligence education" not only caused various social chaos, but also exposed and strengthened the wealth anxiety of some young people.

Bought a bunch of "proper crap" for a high price

　　A group of handsome men and beauties exuding a business atmosphere with neat suits and exquisite makeup, deliberately "export" financial logic, financial freedom and other very professional-sounding words, and recommend financial management courses to the public... Such pictures are not used on short video platforms. Rarely.

　　The "National Financial and Business Education White Paper 2022" (hereinafter referred to as the "White Paper") released by the National Finance and Development Laboratory of the Chinese Academy of Social Sciences shows that my country's financial and business education industry has experienced explosive growth.

As of February 14 this year, there were more than 6,000 financial and business education-related companies on the “Qichacha” platform.

　　With the development of the economy, the continuous increase of social wealth has made residents, especially young people, have strong financial needs, and financial education has followed, and some chaos has gradually surfaced.

　　Banyuetan reporter survey found that most financial and business education companies use free courses to attract students, and then recommend advanced courses with prices ranging from thousands of yuan to tens of thousands of yuan.

After some students "purchased courses" at high prices, the harvest is worrying.

Some netizens "spit out": "Some so-called advanced financial management courses can't learn knowledge at all, and the teachers are all correct nonsense, and I feel that a wave of 'IQ tax' has been paid."

　　Some financial and business educators have violated laws and regulations in teaching or communication.

Yang Bing, a post-90s man, told reporters that the teacher asked the students to open an account in a securities company in the form of homework, euphemistically called "practical exercise".

"Sometimes, we are recommended to buy a certain stock or fund." The Securities Law clearly stipulates that engaging in securities investment consulting services should be approved by the securities regulatory agency of the State Council; without approval, no services may be provided for securities transactions and related activities.

　　The quality of the courses varies, and refunds are even more difficult.

Many students told reporters that they purchased paid courses through Huabei, credit card installments, etc.

Once the institution does not operate well, the course cannot be continued, and the students will not only be difficult to complete the course, but will even face the risk of debt.

For refunds, many financial and business education institutions have set strict conditions and must complete certain courses and pass exams.

An insider said frankly, "The difficulty of the exam is in our hands. If we don't want you to pass, there are ways."

Fancy flicker "who please enter the urn"

　　Who is financial education aimed at?

Yang Bing, who "invested" more than 8,000 yuan, told reporters that among his "classmates", there are college students, newcomers in the workplace, full-time mothers, etc., mainly young people.

　　The white paper shows that most of the financial and business education institutions' customer bases come from third- and fourth-tier cities and more sinking markets. The proportion of males is slightly higher than that of females. The proportion of existing household users is higher than that of single users, and the age is concentrated in 30-45 years old.

　　The young group has repeatedly "fallen into the trap", and wealth anxiety is undoubtedly the main reason.

　　In recent years, my country's urbanization process has continued to accelerate, capital has flowed rapidly, and marketization, commercialization, and monetization are everywhere. Residents are faced with housing, medical care, marriage, childcare, education, insurance, pension and other issues. Young people's thirst for wealth More intense, more anxiety.

　　Yang Bing has worked for less than 5 years and earns nearly 7,000 yuan a month.

"Single, living in my parents' house, I don't have a mortgage for the time being, but I'm not able to increase my income. Thinking about the future, money is inseparable from getting a girlfriend, getting married, buying a house, and having a baby," he said.

　　Wealth anxiety is a state of psychological tension that arises when people's ideas are subjected to a certain impact in the rapid economic and social development.

The main contradiction in our society has been transformed into a contradiction between the people's ever-growing needs for a better life and unbalanced and inadequate development.

Wealth anxiety is precisely the projection of the main social contradiction on the public mind.

　　25-year-old Zhou Hui just gave birth to a child, and the family expenses are supported only by her husband's monthly salary of more than 10,000 yuan.

"There are old people and young people, and the money is not enough." Zhou Hui said that she participated in a "Xiaobai" course that charges 12 yuan for a financial and business education institution. After entering the second half, the teacher began to show the income cases of past students and Paid courses are recommended.

"Seeing that so many students have realized asset appreciation through learning, I was moved." In the end, she purchased a financial management course with a price of nearly 10,000 yuan through installment.

　　The income level is increasing, but the accumulated wealth has shrunk; the pace of work is accelerating, but the wealth gap has widened.

In the face of rising prices and high housing prices, some young people feel that they cannot help spending their money, and wealth anxiety has gradually become a common social mentality.

Release Wealth Anxiety

　　Financial business education is not a beast. It is necessary to enhance the financial health awareness of residents and families, strengthen the top-level design of financial education, and help ordinary people keep their "money bags".

　　The financial and business education industry supervision system needs to be established urgently.

The white paper pointed out that the financial and business education industry presents dual attributes of education and finance, and its operation mode is characterized by a combination of online and offline, and the goals of education and training are both private and public.

Industry insiders believe that in order to clarify the ownership of industry supervision and formulate corresponding policies and norms, we can learn from the experience of Europe and the United States, incorporate financial and business education into the education system, refine the content of financial and business education, and establish a qualification review system for the promotion of financial products that may be involved. .

　　Che Ning, deputy director of the Research Center for the Rule of Law and Sustainable Development of China University of Political Science and Law, suggested a three-pronged approach: first, to create an education curriculum system with multiple levels and division of labor; second, to build a comprehensive and functional governance system; third, financial and business education Institutions strengthen corporate governance.

　　Promoting social equity, optimizing income distribution, and enhancing the confidence of young people in their future life are fundamental measures to release wealth anxiety and avoid the trap of financial and business education.

　　In the cyberspace where consumerism is prevalent, the self-media constantly exaggerates "get rich overnight", which intensifies people's anxiety.

It is necessary to speed up the establishment of a social security system that benefits the whole people, and to open up fair channels for upward mobility, so that everyone can have a stable life expectancy.

At the same time, it is necessary to maintain price stability, expand financial management space, increase people's property income, and prevent residents' wealth from shrinking.

　　Source: "Ban Yue Tan Internal Edition" Issue 4, 2022

　　Original title "Selling Wealth Anxiety in the Name of Financial Business Education"

　　Banyuetan Reporter: Liu Weiwei