The reasons of middle school students' lack of economic ability and the measures that can be taken.

1. Reasons why middle school students lack financial management ability: 1. Traditional family education in China does not want to expose middle school students to money. It is believed that holding money from an early age will have a bad influence on children's thoughts. This passive prevention leads to poor economic awareness, blind consumption and poor financial management ability of middle school students. In fact, as family members, it is impossible for middle school students not to deal with money, and it is unrealistic to try to create a vacuum consumption environment for middle school students. 2. Parents' doting and doting. Many parents always believe that as long as their children study well and can be admitted to universities, they will have a bright future. With the increase of only children, the rapid improvement of family living standards, and the unique "compensation" psychology of parents who have experienced hard life, it is often easy to indulge, spoil and spoil bad children. In this way, they neglect the cultivation of their children's early financial management ability, which is often manifested in their "softhearted" spending money and even satisfying their children's excessive demands at all costs.

3. There are some misunderstandings in financial management education. At present, there is no special financial education course in middle school education, and financial education has not been effectively incorporated into the moral education system. The only hard struggle education is monotonous and sparse, and the educational methods are pedantic and outdated. Educators often "train but not guide" students and can't teach them how to do it. Students casually recite the poem "Who knows that every meal is hard", but few students can internalize it into beliefs and externalize it into actions. Many educators think that financial management is a matter for adults, and children are not suitable to get involved in such things, or think that financial management will naturally come when children grow up. More people think that adolescence should be a "pure land". The main task of children's education is to learn knowledge and grow up, and everything else should be done slowly. These misconceptions often lead to missing the critical period of middle school students' financial education, so that middle school students can't get timely, scientific, systematic and effective educational guidance. How can they manage their finances?

4. Negative influence of social factors.

Some media's one-sided descriptions and reports on the lives of some rich people and rich people in social life, the proliferation of money worship and hedonism in society, and the existence of bad environments outside the campus (such as bars, dance halls and game halls) often have a certain corrosive effect on middle school students' thoughts. Many middle school students have developed the bad habit of spending money indiscriminately. Second, what measures can be taken for middle school students' lack of economic ability? 1. Parents should give middle school students the necessary financial education. For example, cultivate children's good consumption habits and know how to compare shopping and consumption; In some discussions about financial problems at home, it is advisable to let children join in appropriately, understand the truth of moderate consumption, and prevent and put an end to the problem that some children take money from home privately and borrow money at will. 2. Schools should often carry out financial education activities. For example, ask experts to give financial education lectures to students; Make use of blackboard newspaper, school newspaper radio station and other positions to publicize scientific financial management knowledge to students for a long time; Hold a parent-teacher meeting to publicize the importance of financial education to parents and how to implement financial education in the family. Third, I hope that middle school students can develop the following good financial habits:

First, learn to consume, understand the necessary consumption rules, form a correct concept of spending money and accounting, and gradually develop good living habits. For example, when you need to buy things in your life, you need to know which ones to buy, which ones not to buy, and which ones are cost-effective.

Second, understand that money is hard to come by. We should correctly understand the role and position of money, understand that money is the result of labor, cherish the fruits of parents' labor, don't waste money, and form a good habit of thrift.

Third, look for opportunities to participate in savings deposits and increase financial knowledge. For example, holidays, birthdays, lucky money and gifts sent by elders or relatives and friends can be saved at one time, and you can plan your own management and experience the taste of financial management. Fourth, get some investment knowledge. You can collect stamps and coins, and you can learn to buy funds and bonds when you have the opportunity.

Fifth, make good use of pocket money for school supplies, transportation expenses and small donations among classmates.

In today's world, financial management ability is an indispensable part of a person's survival, and it is also an important content that cannot be ignored in quality education. To cultivate and exercise this ability, experts suggest that children should pay attention to cultivating their own financial awareness when they are eight or nine years old, and parents and schools should actively guide them when their financial management concepts are formed in middle school.