保险素养、收入差异与农民商业保险参与

乡村振兴战略的实施激发了农民在“医、养、住、行”等方面对美好生活的追求,与之对应的各类保险保障需求也随之涌现。对保险素养影响农民商业保险参与的机理进行了阐释,并使用陕西省565户农户的调查数据,实证检验了保险素养对农民商业保险参与选择的影响,以及农民个人收入差异对保险素养影响其商业保险参与的调节效应。研究表明,保险素养会显著促使农民商业保险参与概率增加3.1%。此外,个人经济收入差异对保险素养促进农民商业保险参与并未发挥出调节作用,即提升个人收入水平并不会增强保险素养对农民商业保险参与的促进作用。因此,有必要采取提高农民保险素养、有针对性地开发设计符合农民诉求的保险产品等措施促进农民商业保险消费,进而促进商业保险在农村地区的发展。     

The Impact of Personal Finance Education Delivered in High School and College Courses

This study investigates the impact of personal finance education delivered in high school and college. Outcomes of interest were investment knowledge and household savings rates measured years after the financial education was delivered. A web-based survey with questions about participation in financial education, financial experiences, income and inheritances, and demographic characteristics was administered to 1,039 alumni from a large midwestern university. Participation in a college level personal finance course was associated with higher levels of investment knowledge. Experience with financial instruments appeared to explain more of the variance in both investment knowledge and savings rates. No significant relationship between taking a high school course and investment knowledge was found. Financial experiences were found to be positively associated with savings rates.

乡村教师文化回应性教育能力的理论阐释及实践探索

文化回应性教育能力主要包括态度与责任、认识与理解、技能与实践、反思与批判四个维度,以及乡土情怀、乡土知识、文化回应性教学能力、文化回应性课程能力、文化回应性评价能力、文化回应的敏感性六要目。目前,乡村教师责任担当存在理性与感性的相互割裂、乡土知识的认知与理解较为窄化零散、文化回应性教学设计和实施流于形式、文化回应性课程资源转化有限且碎片化、文化回应性评价内容和方法单一、文化回应性反思批判的敏感性薄弱等问题。基于此,需营造滋养乡村教师情感的乡村文化生态,构建文化回应的教师教育课程教学体系,聚焦乡村教育的实践情境搭建支持体系。     

HR转型背景下劳动关系与劳动法课程教学方法新探

2020年中共中央办公厅、国务院印发的《关于深化新时代教育督导体制机制改革的意见》,进一步推动了我国教育事业的改革和发展,也为HR转型背景下劳动关系与劳动法课程教学方法的改革提供了优良契机。基于此,文章介绍了HR转型与专业人才培养的关系,分析了HR转型对劳动关系与劳动法课程教学的影响,探究了HR转型背景下劳动关系与劳动法课程的教学现状,论述了HR转型背景下劳动关系与劳动法课程教学的创新路径。     

高校英语课堂中科学信息素养的培育策略研究

英语教学并非单纯地教授学生英语技能和能力,而是担负着为时代发展需求培养国际化优质人才的使命和担当。随着我国高等教学水平的逐步提升,英语教学开始向学术化的方向不断发展,旨在培养出拥有较高专业化知识与英语技能的复合型人才,为我国提升国际核心竞争力奠定坚实的人才基础。近年来,信息技术的跨越式发展扩展了获取信息的渠道,通过英语教学培养学生获取国外先进技术理论信息的能力是我国实现与国际化接轨的必要举措。但是在实际的高校英语课堂教学中,在学生科学信息素养的培育方面还存在着诸多的不足。文章以此为研究对象展开探索和讨论,通过提出在高校英语教学中培养学生科学信息素养的策略,达到提升教学质量,满足时代对于优质人才需求的目的。     

金融知识差异与我国家庭财富积累

通过应用中国城市家庭消费金融调研数据,本文系统的实证检验了改进后的金融知识指标、经济学专业、金融学专业以及家庭理财规划等因素对家庭各项财富积累的影响,并通过使用合适的工具变量进行两阶段估计,验证了这种正向影响的稳健性。此外,实证结果中家庭理财规划以及理财规划时间跨度的正向边际效应表明,理财规划可能是金融知识差异影响家庭财富积累的重要机制。研究结论有利于更准确地理解居民金融知识差异对于家庭福利,特别是退休福利的影响。     

视觉文化时代信息技术与英语教学关系探析

面对视觉文化环境下长大的一代,信息技术在英语教学中作用巨大。多媒体技术能调动学生的学习兴趣、培养联想思维能力以及营造仿真氛围;网络提供教师与学生日常教学中欠缺的资源;网络学习环境有助于学生自主性的形成。媒介素养教育是教师和学生在此背景下之必须。     

Responsibility,planning and risk management: moralizing everyday finance through financial education

The individualization, privatization and marketization of risk management represent a fundamental dimension of the financialization of everyday life. As individuals are required to engage with financial products and services as the main way of protecting themselves from risks and uncertainties, their economic welfare and security are construed as depending largely on their own financial decisions. Within this setting, the concept of financial literacy and accompanying practices of financial education have emerged as a prominent institutional field handling the formulation and communication of the attributes and dispositions that arguably constitute the proper financial actor. This article analyzes financial education programmes currently conducted by state agencies in Israel, examining the notions and principles they articulate when defining and explaining proper financial conduct. The study indicates that moral themes and categories occupy a salient place in the formulation of the character traits that constitute the desired literate financial actor. Notions of individual responsibility, planning ahead and rational risk management are presented not merely as instrumental resources, but as moral imperatives. Through these notions, the programmes moralize a broad array of everyday practices of personal finance such as saving, investing, borrowing and budget management, thereby connecting the sphere of financial matters to the domain of moral virtues. Offering a representation of particular modes of financial conduct as constitutive components of morally virtuous personhood, these practices imbue the financial field as a whole, especially its current generalized logic of individualized and marketized risk management, with moral meanings, hence contributing to the normalization and depoliticization of the financialization of everyday life.     

Health insurance literacy: A mixed methods study of college students

Objective: This study examines the health insurance literacy, or the ability to use health insurance effectively, of college students. Participants: A total of 455 students from a large, public university completed an online questionnaire in November 2016. Methods: A questionnaire examined students’ knowledge of commonly encountered health insurance terms and ability to apply that knowledge to determine cost-sharing in a clinical setting. Results: The majority of students were able to correctly identify the most commonly encountered terms, but could not identify terms related to plan types and options. Eighty-eight percent of students could not determine their cost-sharing for two presented scenarios. Approximately half of the students indicated they had been confused about their health insurance plan, with one-quarter of students stopping or delaying medical care due to confusion. Conclusions: Outreach and education for students should target specific deficits in knowledge such as those identified in this study.     

Understanding racial literacy through acts of (un)masking: Latinx teachers in a new Latinx diaspora community

As Latinx teachers are recruited to work in U.S. schools, a continued agenda to understand their experiences is warranted. This multiple case study considers the storytelling of six Latinx teachers in a new Latinx diaspora community. It documents both their racial literacy (the ability to resolve racially stressful issues) and their experiences with (un)masking (literal and figurative ways to cover or embrace racial markers). This study reveals the tensions that arise when Latinx teachers attempt to define their identity in social spaces where their languages, bodies, and names, among other markers, are racialized when read by others. Implications for teacher education include a call to include storytelling as a pedagogical tool to develop Latinx teachers’ racial literacy skills. By experiencing storytelling in their own schooling, Latinx teachers are more likely to model such racial literacy skills in their schooling communities; thereby, empowering a generation of students to enact more humanizing behaviors.