3.23大陸雅思大作文8分範文及解析：學生缺乏理財知識

報告類大作文，教育類話題

In many countries students who leave high school have no understanding of how to manage their money. Why is this case? What can be done to improve students understanding of how to manage personal finance?

題目來源：2024年3月23日大陸雅思大作文（重複2021年1月16日大陸考題）

1、題目大意

在許多國家，高中畢業(ye) 的學生不了解如何管理自己的錢。原因是什麽(me) ？如何解決(jue) ？

2、思路解析

這是一道報告類題目。聊的是高中生管理錢財的問題。題目其實沒有那麽(me) 難，對於(yu) 學生來說，理財其實主要就兩(liang) 件事：一是存錢（不亂(luan) 花錢），二是會(hui) 做合適的投資。明確這兩(liang) 個(ge) 方向後，我們(men) 來看為(wei) 什麽(me) 學生缺乏理財知識。

一是沒人教學生，不管學校還是家長，更多時候都隻關(guan) 注學生的學習(xi) 成績以及能不能考上好的大學。學校裏的課基本都是主課，體(ti) 育課都快不保了，更別說有人上課去教學生理財知識了。

二是對於(yu) 多數學生，因為(wei) 本來就沒什麽(me) 收入和存款，很多時候要買(mai) 東(dong) 西也是需要父母同意並花錢。因此對他們(men) 當下來說，理財知識的用處並不大，所以也不會(hui) 主動去關(guan) 注和掌握相應的理財知識。

那麽(me) ，明白了這兩(liang) 方麵主要原因，也就能針對性得出解決(jue) 方案。

提高學校和家長教授孩子理財知識的意識。家長可以讓孩子去讀一些基本理財知識的入門書(shu) 籍，來培養(yang) 理財知識。通過“有償(chang) 做家務”之類方式，來培養(yang) 孩子賺錢的意識以及知道賺錢的不容易。還可以通過教孩子記賬的方式，來讓孩子明白“收入”和“支出”的概念，甚至學會(hui) 控製成本和預算。

而學校方麵可以開設專(zhuan) 門的理財知識課，作為(wei) 一種選修課甚至必修課，在課堂上將一些專(zhuan) 業(ye) 的理財知識教授給學生。或者開展一些諸如“模擬投資”的金融比賽，讓學生有機會(hui) 去接觸學習(xi) 投資的知識內(nei) 容，並且進行體(ti) 驗。

3、提綱

4、高分範文示例

A lack of money management skills among high school graduates has become a prevalent issue that concerns many countries in recent times. While several factors may contribute to this trend, I attribute this problem primarily to the imbalance in school education and the impact of media, and I will provide some practical suggestions to address these issues.

To identify the root causes of inadequate financial awareness among young people, it is essential to first understand the status quo of high school education. Given the intense competition for university admissions, high schools tend to prioritize students’ academic performance over other practical skills, including financial management competency. Another significant factor we cannot afford to overlook is the advertising targeted at teenagers, which influences impressionable young minds to adopt an extravagant lifestyle. Those exposed to ubiquitous advertisements are less likely to manage their finances rationally.

Although the inadequacy of financial planning among high school graduates is a concern in many countries, there are steps we can take to mitigate this trend. One suggestion is to make financial management a compulsory course in the high school curriculum. Introducing students to this area of knowledge during their pre-university years can cultivate a basic understanding of how to manage their money effectively. Another approach could involve stricter regulation of marketing aimed at teenagers, which would reduce the temptation for young people to indulge in excessive spending.

From the discussion above, I conclude that the lack of financial management skills among the younger generation results from inadequate high school education and misleading media influences. In response, an adjustment to the high school curriculum and strengthened media regulations are necessary measures to address this problem.

5、相關(guan) 詞匯和語法結構

Lack of money management skills 缺乏金錢管理技能

Prevalent issue 普遍問題

Imbalance in school education 學校教育的不平衡

Practical suggestions 實際建議

Root causes 根本原因

Status quo 現狀

Intense competition for university admissions 激烈的大學入學競爭(zheng)

Financial management competency 財務管理能力

Advertising targeted at teenagers 針對青少年的廣告

Impressionable young minds 易受影響的年輕心智

Extravagant lifestyle 奢侈的生活方式

Ubiquitous advertisements 無處不在的廣告

Manage their finances rationally 理性管理財務

Mitigate this trend 減輕這一趨勢

Compulsory course 必修課

Pre-university years 大學前的年份

Cultivate a basic understanding 培養(yang) 基本理解

Stricter regulation of marketing 更嚴(yan) 格的市場監管

Excessive spending 過度消費

Adjustment to the high school curriculum 對高中課程的調整

Strengthened media regulations 加強的媒體(ti) 規定