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经合组织(OECD):2026东盟成年人数字金融素养核心能力框架报告(英文版)(40页).pdf

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1、DIGITAL FINANCIAL LITERACY CORE COMPETENCY FRAMEWORK FOR ADULTS IN ASEAN2 DIGITAL FINANCIAL LITERACY CORE COMPETENCY FRAMEWORK FOR ADULTS IN ASEAN OECD 2026 Disclaimers This work is published under the responsibility of the Secretary-General of the OECD.The opinions expressed and arguments employed

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1. **背景与目标**:OECD为东盟成人制定《数字金融素养核心能力框架》(DFLCC框架),旨在促进成员国对数字金融素养(DFL)的共识,指导政策制定与项目评估,提升个人财务福祉。 2. **核心数据**: - 东盟国家成人DFL得分较低(柬埔寨43、印尼41、菲律宾50),低于全球平均(55)和OECD平均(56)。 - 数字支付使用率增长显著(如柬埔寨、泰国2017-2024年增超15%),但在线金融服务管理差异大(马来西亚35.1%,柬埔寨仅3.7%)。 3. **框架结构**: - **三大内容领域**:数字环境中的货币与交易、财务管理、安全防护。 - **适用群体**:成人为主,涵盖15-18岁青年及小微企业主(部分能力标注绿色/粉色)。 - **适应性**:允许成员国根据国情调整(如*标注监管依赖,^标注伊斯兰金融相关)。 4. **实施意义**:为成员国提供非约束性工具,填补能力缺口,应对数字金融风险(如诈骗、数据安全),并支持未来技术演进下的持续更新。
数字金融素养是什么? 如何安全使用数字支付? 识别金融诈骗的技巧?
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