The ability to understand financial concepts, products, and systems, and to make sound judgments about the consequences of financial decisions.
Financial literacy is the foundational knowledge that lets you understand how money flows, how financial products are structured, and how economic systems work, so you can make sound financial judgments. It covers grasping core concepts like interest rates, inflation, and the relationship between risk and return, critically interpreting financial information, and predicting outcomes across different financial scenarios. It's distinct from the execution side of things (Personal Finance), which deals with actual budgeting and investment management. The focus here is on the comprehension and analytical ability that underpins good judgment.
You recognize the basic functions of money (exchange, store of value, unit of measure) and start distinguishing between income and expenses. You understand the surface-level meaning of everyday financial activities like what a bank account is for or what a card payment means, but you don't yet grasp the underlying structures or costs behind them.
What Comes Next
If you've checked off most of this list, you're ready to enter the PISA Baseline (Concept Distinction) stage, understanding the meaning and interrelationships of core financial concepts like interest rates and inflation. According to the CFPB Building Blocks model, once financial term recognition (Building Block 2) is established, the transition to financial knowledge and decision-making skills (Building Block 3) follows naturally.
5단계 금융 리터러시 숙련도 척도(Level 1~5)를 제공하며, 각 레벨별 과제 수행 능력을 구체적으로 정의. 7레벨 설계 시 하위~상위 경계 매핑의 핵심 근거
4대 콘텐츠 영역(Money & Transactions, Planning, Risk & Reward, Financial Landscape)별 지식·스킬·태도 역량을 체계적으로 정의. 체크리스트 도메인 분류와 레벨별 역량 범위 설계의 구조적 근거
3개 빌딩블록(Executive Function, Financial Habits/Norms, Financial Knowledge/Decision-making)과 발달 단계별 역량 진행 모델 제공. 초급 레벨 체크리스트 항목의 근거
39개국 성인 금융 리터러시 실측 데이터(지식 7문항, 행동 9문항, 태도 점수). 글로벌 벤치마크로 레벨 분포의 현실성 검증과 체크리스트 난이도 교정에 활용
K-12 대상 6대 영역(Earning, Saving, Investing, Spending, Credit, Risk) 표준 벤치마크. 금융 리터러시(이해/판단)와 Personal Finance(실행/관리) 경계 설정 및 중급 레벨 체크리스트 세분화 근거
