一、问题的提出 随着经济发展、社会经济水平的提高,钱对于现代社会的中小学生来说再也不陌生不神秘了。现在,在中小学生当中普遍存在着一种超常的高消费现象,吃喝讲排场,穿衣讲高档,千奇百怪的消费方式闯入学生的生活,如“红色消费”(生日大操办、考试庆祝)、“灰色消费”(无节制地泡网聊天、打游戏机)、“黑色消费”(赌博、吸烟、喝酒、吸毒等)等现象。专家分析中小学生高消费、乱花钱、理财能力差有种种原因,但暴露出了学校理财教育的严重不足。本文提出 First, the issue raised With the economic development, social and economic improvement, money for the primary and secondary students in modern society is no stranger to no longer mysterious. Nowadays, there is a pervasive phenomenon of high consumption in primary and middle school students, such as “red consumption” (big birthday celebration and examination celebration), eating and drinking, “Gray consumption” (uncontrolled bubble chat, game play), “black consumption” (gambling, smoking, drinking, drug abuse, etc.). Experts analyze the high consumption of primary and secondary school students, spend money, poor financial management for a variety of reasons, but exposed a serious shortage of financial management education in schools. This article is proposed