西方家庭普遍认为，理财教育是家庭教育的一个分支，也是素质教育的重要内容。而家庭也是对孩子进行理财素质教育的最主要最理想的场所。因为无论从教育的内容还是实施的条件，学校所能承担的都相对有限，而家庭则能为这种教育提供所需的内容材料和组织具体活动。观念一：理财 Western families generally believe that financial education is a branch of family education, but also an important part of quality education. The family is also the most important and ideal place for educating children on the quality of financial management. Because the conditions of education and implementation are relatively limited, schools can afford such content and organize specific activities for such education. One concept: financial management