Office workers lack financial sense
Print Edition
YOUNG office workers are keen to invest in financial products but lack the know-how to do so with confidence, a survey by the Shanghai Consumer Rights Protection Commission claimed yesterday.
In the poll of 82 white-collar workers (defined as earning at least 9,000 yuan (US$1,440) a month) aged under 40, 27 percent said they lacked financial knowledge, while 7 percent said they had no knowledge at all in the area.
More than half said they did not understand financial terminology, while others complained they had bought financial products in the past but had not profited from them, Tang Jiansheng, deputy secretary-general of the commission, said.
Others were worried about divulging their personal data online, he said.
Office workers tend to be bigger consumers than other groups, and are more likely to use credit cards, the report said.
More than 7 percent of the people polled said they spent more than 6,500 yuan per month on their cards, while 28 percent said they spent between 4,501 and 6,500 yuan.
More than 60 percent said credit card use had increased as a result of the Internet.
The commission said that while shopping online is easy, it can be more risky when it comes to financial products as it is harder to know if data is being properly protected.
Of those polled, 42 percent said they had a net worth of more than 500,000 yuan, while 28 percent said they were worth between 100,000 and 500,000 yuan. Twenty-six percent declined to answer.
The commission urged the authorities to introduce measures to regulate the online financial market as soon as possible.
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