3.23大陆雅思大作文8分范文及解析：学生缺乏理财知识

报告类大作文，教育类话题

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?

题目来源：2024年3月23日大陆雅思大作文（重复2021年1月16日大陆考题）

1、题目大意

在许多国家，高中毕业的学生不了解如何管理自己的钱。原因是什么？如何解决？

2、思路解析

这是一道报告类题目。聊的是高中生管理钱财的问题。题目其实没有那么难，对于学生来说，理财其实主要就两件事：一是存钱（不乱花钱），二是会做合适的投资。明确这两个方向后，我们来看为什么学生缺乏理财知识。

一是没人教学生，不管学校还是家长，更多时候都只关注学生的学习成绩以及能不能考上好的大学。学校里的课基本都是主课，体育课都快不保了，更别说有人上课去教学生理财知识了。

二是对于多数学生，因为本来就没什么收入和存款，很多时候要买东西也是需要父母同意并花钱。因此对他们当下来说，理财知识的用处并不大，所以也不会主动去关注和掌握相应的理财知识。

那么，明白了这两方面主要原因，也就能针对性得出解决方案。

提高学校和家长教授孩子理财知识的意识。家长可以让孩子去读一些基本理财知识的入门书籍，来培养理财知识。通过“有偿做家务”之类方式，来培养孩子赚钱的意识以及知道赚钱的不容易。还可以通过教孩子记账的方式，来让孩子明白“收入”和“支出”的概念，甚至学会控制成本和预算。

而学校方面可以开设专门的理财知识课，作为一种选修课甚至必修课，在课堂上将一些专业的理财知识教授给学生。或者开展一些诸如“模拟投资”的金融比赛，让学生有机会去接触学习投资的知识内容，并且进行体验。

3、提纲

4、高分范文示例

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、相关词汇和语法结构

Lack of money management skills 缺乏金钱管理技能

Prevalent issue 普遍问题

Imbalance in school education 学校教育的不平衡

Practical suggestions 实际建议

Root causes 根本原因

Status quo 现状

Intense competition for university admissions 激烈的大学入学竞争

Financial management competency 财务管理能力

Advertising targeted at teenagers 针对青少年的广告

Impressionable young minds 易受影响的年轻心智

Extravagant lifestyle 奢侈的生活方式

Ubiquitous advertisements 无处不在的广告

Manage their finances rationally 理性管理财务

Mitigate this trend 减轻这一趋势

Compulsory course 必修课

Pre-university years 大学前的年份

Cultivate a basic understanding 培养基本理解

Stricter regulation of marketing 更严格的市场监管

Excessive spending 过度消费

Adjustment to the high school curriculum 对高中课程的调整

Strengthened media regulations 加强的媒体规定