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Improving Financial Literacy
Analysis of Issues and Policies
OECD. Published by : OECD Publishing , Publication date:  05 Dec 2005
Pages: 178 , Language: English
Version: Print (Paperback) + PDF
ISBN: 9789264012561 , OECD Code: 212005101P1
Price:   €30 | $42 | £27 | ¥3900 | MXN540 , Standard shipping included!
Availability: Available (Print on Demand)
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Other languages:  French (Out of print)
Other Versions:  E-book - PDF Format

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This book, the first major study of financial education at the international level, contributes to the development of consumer financial literacy by providing information to policy makers on effective financial education programmes and by promoting the exchange of views and the sharing of experience in the field of financial education and awareness. It identifies and analyses financial literacy surveys in member countries, highlights the economic, demographic and policy changes that make financial education increasingly important, and describes the different types of financial education programmes currently being offered in OECD countries. Finally, this book evaluates the effectiveness of financial education programmes and introduces the OECD Council Recommendation on Principals and Good Practices for Financial Education and Awareness.

Table of contents:

Executive Summary
Chapter 1. Overview of the Report
-Definition of Financial Education
-Organisation of the Report
Chapter 2. Financial Education: Its Definition, its Increasing Importance, its Contributions to Market Efficiency and Consumer Well-Being, and the Role of Financial Intermediaries
Chapter 3. Assessment of the Financial Literacy of Consumers

-Key Findings of Financial Literacy Surveys
-Implications for Financial Literacy Surveys
-Lessons for Financial Literacy Programmes
Chapter 4. Investment/Retirement Saving and Financial Education
-Current Financial Education Programmes on Saving and Investment for Retirement
-Evaluations of Financial Education Programmes with Respect to Investment/Retirement
-Effects of Individual Behaviour on Financial Decisions
-Conclusions and Implications for Design and Implementation of Financial Education Programmes
Chapter 5. Financial Education on Credit and Debt
-The Importance of Resolving Over-Indebtedness and the Benefits of Financial Education
-Key Findings on Financial Education Programmes on Credit and Debt
-Key Findings of Evaluations of Credit Education Programmes
-Summary of Policy Implications for Financial Education Programmes on Credit and Debt
Chapter 6. The Unbanked and Financial Education
-Benefits of Financial Education for the Unbanked
-Description of Current Programmes on the Unbanked
-Summary of Evaluations of Programmes on the Unbanked
-Summary of Policy Implications for Programmes on the Unbanked
Chapter 7. Conclusions and Future Directions for Financial Education
Annex A. Assessment of Financial Literacy of Consumers
-Australia: Seleced Questions from the Financial Literacy Survey
-Japan: Selected Questions formt he Consumer Survey on Finance
-United States: Selected Questions from the JumpStart Financial Literacy Survey
Annex B. Investment/Retirement Saving and Financial Education: Additional Information
Annex C. Financial Education on Credit and Debt: Additional Information
Annex D. The Unbanked: Additional Information
Annex E. Recommendation on Principals and Good Practices for Financial Education and Awareness
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