在教導孩子認識金融,以及灌輸儲蓄和投資習慣方面,學校的成效遠比父母要差。中學的認識金融教育,對金融知識的影響極小,對理財行為的影響更小。(Schools are much less effective than parents in teaching fi-nancial literacy and inculcating saving and investment habits in children. High school education in financial literacy had little effect on financial knowledge and even less on financial behav-ior.)
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