“理财”一词,笔者记得是在20世纪90年代初见诸于报端。此后,随着我国股票债券市场的不断发展,商业银行零售业务的日趋丰富,加上居民总体收入水平的逐年增长,“理财”逐渐成了市场追逐的热点,呈一路上扬之势。于是电视有了“理财好商量”,杂志添了《理财》专刊,报纸开辟了“理财”专版,银行开设了“理财工作室”……各路人马,说钱论财,好不热闹。然而,针对青少年学生的学校、家庭理财教育显得冷冷清清,处于滞后状态,大多数学校和家庭对 The word “money management”, I remember in the early 1990s, appeared in the newspapers. Since then, with the continuous development of the stock and bond market in our country, the retail business of commercial banks has become more and more enriched. With the year-by-year growth of the overall income level of residents, “financial management” has gradually become the focus of market chase and has been rising all the time. So television has “good financial management” magazine added a “financial” special issue, the newspaper opened up a “financial” special edition, the bank opened a “financial studio” ... ... all walks of life, said the money on the money, very lively. However, for schools for young students, family financial education appears to be deserted and lagging behind. Most schools and families