2024年9月9日，新加坡副總理兼貿工部長部長顏金勇在國會答覆官委議員帕雷克有關金融服務公司Singlife發布的《2024年財務自由度指數》的要點及加強新加坡人財務穩定的措施問題。
以下內容為新加坡眼根據國會英文資料翻譯整理：
帕雷克（官委議員）先生詢問總理兼財政部長：
(a) 政府從Singlife公司發布的《2024年新加坡財務自由度指數》調查結果中得到哪些主要啟示？
(b) 在確保財務自由和穩定方面，特別是在新加坡年輕一代中，有哪些主要關切問題？
(c) 社會和商業組織可採取哪些措施，加強對新加坡人財務穩定方面的公眾教育？
顏金勇先生（副總理兼貿工部長，代表總理）：私營機構曾進行多項調查。2021年，國家財務教育計劃（MoneySense）進行了全國財務能力調查(NFCS)，該調查範圍廣泛，包括金融知識、態度和行為。調查發現，與上一次的調查（2017年）相比，新加坡人在養成良好的基本理財習慣方面做得更好，如編制預算和保持應急儲蓄。
全國財務能力調查(NFCS)還強調幫助個人做出正確的財務決策和妥善理財的重要性。為此，國家財務教育計劃（MoneySense）與行業夥伴合作，在新加坡人中宣傳積極的理財行為和態度。此外，MoneySense 的合作夥伴理財通識學院（Institute for Financial Literacy）在工作場所和公眾中提供有關財務規劃主題的免費講座和研討會。
我們正在積極幫助新加坡人開始他們的財務規劃之旅。去年，新加坡金管局 (MAS)、中央公積金局（Central Provident Fund Board）和 MoneySense 與金融行業協會共同制定了一份《基本理財規劃指南》（Basic Financial Planning Guide）。該指南列出了應急儲蓄、保險保障、投資和退休規劃的經驗法則。這些都是根據新加坡人從開始工作到退休的六個關鍵人生階段量身定製的。我們已通過數字和實體渠道在新加坡全國範圍內分發了這本指南。新加坡金管局還鼓勵金融機構及其代表在帶領客戶進行理財規劃時使用本指南。
2021年全國財務能力調查(NFCS)發現，與老年人相比，年輕人的金融知識水平普遍較高。MoneySense 優先考慮青少年，鼓勵他們為養成健康的理財習慣打下良好的基礎。我們通過從小學到高等教育的學校課程教授金融知識概念。MoneySense 還為青少年舉辦理財講座和工作坊，以補充他們在學校學到的知識。
以下是英文質詢內容：
Mr Neil Parekh Nimil Rajnikant asked the Prime Minister and Minister for Finance (a) what are some of the key takeaways for the Government from the results of Singlife's Financial Freedom Index 2024 survey; (b) what are some of the key concerns in the area of ensuring financial freedom and stability especially amongst the younger generation of Singaporeans; and (c) what steps can the community and business organisations take to enhance public education on financial stability for Singaporeans.
Mr Gan Kim Yong (for the Prime Minister): There are various surveys conducted by private sector organisations. MoneySense, our national financial education programme, conducted the 2021 National Financial Capability Survey (NFCS), which has a comprehensive scope covering financial knowledge, attitudes and behaviour. The survey found that Singaporeans have done better in adopting good basic financial habits, such as budgeting and maintaining emergency savings, compared to the previous survey in 2017.
NFCS also highlights the importance of helping individuals make sound financial decisions and manage their money well. To this end, MoneySense has partnered industry partners to promote positive financial behaviour and attitudes among Singaporeans. In addition, MoneySense's partner, the Institute for Financial Literacy, provides free talks and workshops on financial planning topics at workplaces and to the public.
We are actively helping Singaporeans start their financial planning journey. Last year, the Monetary Authority of Singapore (MAS), the Central Provident Fund Board and MoneySense, together with financial industry associations, jointly developed a Basic Financial Planning Guide. The Guide sets out rules of thumb for emergency savings, insurance protection, investing and retirement planning. These are customised to follow a Singaporean's six key life stages, from when he starts work to when he retires. We have disseminated this Guide across Singapore through digital and physical channels. MAS also encourages financial institutions and their representatives to use the Guide when they take their clients through their financial planning journeys.
The 2021 NFCS found that youths generally had higher levels of financial literacy compared to their elders. MoneySense has prioritised youths to encourage healthy financial habits and set good foundations. We teach financial literacy concepts through our school curriculum from primary through the tertiary levels. MoneySense also organises financial talks and workshops for youths to supplement what they have learnt in school.
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