Work program for the "Basics of Financial Literacy". Working Program Financial Literacy Basics of Financial Literacy in School Program

Edition prepared as part of a joint project of the Ministry of Finance Russian Federation and the World Bank "Promoting the level raising financial literacy population and development of financial education in the Russian Federation. "

In the situation of the global financial crisis, even Western economists and public figures raise the need to improve the financial literacy of the population and improving financial training at school. For our country, this question is much more relevant due to the fact that Russian citizens have practically no experience in life in conditions market economy. As a result, many families do not know how to rationally dispose of their incomes and savings, correctly evaluate possible risks in financial markets, often become victims of financial fraudsters.

Therefore, a special educational and methodical complex (UMC) was developed, which includes the following elements:

• training program,
• materials for students on basic vocational training programs,
• methodical recommendations for the teacher,
• control measuring materials (kima),
• materials for parents.

The "Financial Literacy" course for this educational level is built on the learning methodology in the process (Learning-BY-DOING). This allows you to give students not only basic knowledge of a financial nature, but also the skills of competent financial behavior.

Financial literacy: curriculum. Professional education

The curriculum is focused on a competence approach in training and active educational and educational activities of students. The program provides for not only basic knowledge in the financial sector (subject results), but also a certain set of skills, competencies, personal characteristics and installations (meta-delta and personal results) in accordance with GEF.

Curriculum (PDF, 297 KB)

Financial literacy: materials for students. Professional education

As a result of the study of the course, students will learn how to make a family budget and implement financial planning in the family, rationally spend money and make savings; What is the essence of insurance protection and principles of the functioning of the pension system; What does it mean to use bank loans and deposits; How to protect against financial risks and prepare for the opening of your own business.

Materials for students (PDF, 112.63 MB)

Financial literacy: Methodical recommendations for the teacher. Professional education

The main advantage and distinctive feature of the methodological recommendations for this exchange rate is that they are based on a systematic learning approach, which provides an active educational and informative position of students. The manual will help the teacher in the formation of the necessary skills, competencies in the financial sector, personal characteristics and installations. It describes in detail the simulators - tasks, exercises, practical tasks with parents, essays, cases. Recommendations for assessment procedures, team games, discussions, quiz, etc. are given.

Methodical recommendations for teacher (PDF, 2.34 MB)

Financial literacy: materials for parents. Professional education

The manual contains educational materials, which are described how rationally dispose of their incomes and savings, correctly assess possible risks in financial markets and not be a victim of financial fraudsters. One of the most important types of work within the framework of the course is joint tasks for students and parents who allow parents to become active participants in the process of financial education of children.

(PDF, 1.24 MB)

Financial literacy: control measuring materials. Professional education

Control measuring materials are a collection of tasks to all themes of the course. Materials contain tasks, open questions, tests, where you need to select one correct answer from several offered, and tasks with a variety of correct answers. The teacher can use these tasks in the preparation of control and test work. All tasks in the kima are grouped by pairs - two tests or two tasks devoted to the same problem.

Working programm

extracurricular activities

"Fundamentals of financial literacy"

5-9 classes

Compiler:

Polyadina Elena Viktorovna,

history teacher and social studies

2017

Content

1. Explanatory note 3

2. Results of the course of extracurricular activities 5

3. The content of extracurricular activities 7

4. Thematic planning 12

I. . Explanatory note

Working The program of extracurricular activities"Fundamentals of financial literacy" for students of 5-9 grades of gymnasiumdesignedin accordance with the requirements of the federal state educational standard of basic general education.

1. Federal Law of December 29, 2012 No. 273-FZ "On Education in the Russian Federation";

2. The concept of the national program to improve the level of financial literacy of the population of the Russian Federation;

3. The project of the Ministry of Finance of Russia "Promoting the increase in the level of financial literacy of the population and the development of financial education in the Russian Federation."

The relevance of this program Dictated by the development of the financial system and the emergence of a wide range of new complex financial products and services that set the tasks before citizens, whose decision they are not always ready.

Financial literacy is a necessary living condition in the modern world, since the financial market provides significantly more opportunities to manage their own funds than 5-10 years ago, and such concepts as a consumer loan, mortgage, bank deposits tightly entered our daily life. However, at the moment, neither to us nor our children are not enough for those financial knowledge that we have. It should be borne in mind that today's students are tomorrow's active participants in the financial market. Therefore, if we educate our children today financially competent, then tomorrow we will get conscientious taxpayers, responsible borrowers, competent depositors

Novelty of this program is the direction of the course on the formation of financial literacy of students on the basis of building a direct connection between the knowledge gained and their practical application, understanding and using financial information at the moment and in the long term and orients to form responsibility in adolescents for financial decisions taking into account personal safety and well-being.

A distinctive feature programsthis course is that it is based onsystemic activity Approach to learning, which provides an active educational and informational position of students. W.they are formed not only basic knowledge in the financial sector, but also the necessary skills, competences, personal characteristics and installations.

This determined goal This course:

Formation of readiness of readiness to accept responsible and informed solutions in the field of personal finance management, the ability to implement these decisions;

The creation of comfortable conditions to contribute to the formation of communicative competencies;

Formation of a positive motivational attitude towards the economy through the development of cognitive interest and awareness of social necessity.

Tasks:

Master the knowledge system of financial institutions of modern society and personal finance management tools;

Send the ability to receive and critically comprehend economic information, analyze, systematize the data obtained;

To form experience in applying knowledge of financial institutions for effective self-realization in the field of personal finance management;

Form the foundations of culture and individual style of economic behavior, values \u200b\u200bof business ethics;

Relief responsibility for economic decisions.

Program implementation periods - 5 years.

The volume of watches released on classes - 34 hours a year at 1 hour per week.

Forms of implementing the program.

To implement the goals, the following forms of organization are offered educational process:

Discussion, design research students, business game, practical work, legal advice, legal advice, informative conversation, interactive conversation, mini-project, mini-study, round table, talk show, creative work, quiz, role-playing game, plot role-playing game, speeches students with presentation show, travel game, legal game, didactic game, solving practical and problem situations, solving practical and economic tasks, game with training elements, work with documents, analytical work, conference, contests.

Teaching methods.

At the level of basic general education, conditions are created for the development of students in educational programs, focus on the ability to organize independently and motivated to organize their cognitive activities (from the purpose of obtaining and evaluating the result) to the development of educational and research activities of students.

The learning process uses:

1. Acceptance of actualization of subjective student experience;

2. Methods of dialogue and polylog;

3. Acceptance of collective and individual selection;

4. Gaming methods;

5. Methods of diagnosis and self-diagnosis;

6. Critical thinking technologies;

7. Information and communication technologies;

8. Technologies of the collective learning method.

The development of new content is carried out with a support for interprecotement with economy courses, history, social studies, geography, literature, art.

II. . The results of the development of extracurricular activities

Planned results:

Personal results

Awareness of themselves as a family member, society and state; understanding economic problems family and participation in their discussion; Understanding the financial relations of the family and the state;

Mastering the initial adaptation skills in the world of financial relations: comparison of income and expenses, percentage calculation, comparison of investment yields on simple examples;

Development of independence and personal responsibility for their actions; Planning your own budget, proposal of self-earning options;

Development of cooperation skills with adults and peers in different gaming and real economic situations;

Participation in making decisions about the family budget.

MetaPronsMet results Studying the Course "Financial Literacy" are:

Cognitive:

Development of ways to solve problems of creative and search nature;

Use of various ways of searching, collecting, processing, analyzing, organizing, transferring and interpreting information; Search for information in newspapers, magazines, online sites and conducting simple surveys and interviews;

The formation of skills represent information depending on the tasks set in the form of a table, circuit, graphics, diagrams, relationship diagrams (intelligence cards);

Mastering the logical actions of comparison, analysis, synthesis, generalizations, classification, the establishment of analogy and causal relations, constructing reasoning, assigning to known concepts;

Mastering basic subject and interdisciplinary concepts.

Regulatory:

Understanding the goals of their actions;

Planning actions with the help of a teacher and independently;

Manifestation of cognitive and creative initiative;

Evaluating the correctness of action; self-esteem and mutualization;

Adequate perception of comrades, teachers, parents.

Communicative:

Drafting texts in oral and written forms;

Readiness to listen to the interlocutor and lead a dialogue;

Readiness to recognize the possibility of existence of different points of view and the right of everyone to have its own;

The ability to state your opinion, argue its point of view and give an assessment of events;

Determining the common goal and ways to achieve it; The ability to negotiate the distribution of functions and roles in joint activity, carry out mutual control in joint activities,

Adequately assess your own behavior and behavior of others.

Subject results Studying the Course "Financial Literacy" are:

Understanding the basic principles of the economic life of society: an idea of \u200b\u200bthe role of money in the family and society, the reasons and consequences of changes in the income and expenses of the family, about the role of the state in the family economy;

Understanding and proper use of economic terms;

Development of workshops with economic information, its understanding; Conducting simple financial calculations;

Acquisition of knowledge and experience of applying the knowledge and skills to solve typical problems in the field of family economy: knowledge of the sources of income and the directions of family spending and the ability to make a simple family budget; Knowledge of investment directions and ways to compare results on simple examples;

Development of students' abilities to make the necessary conclusions and give substantiated assessments of economic situations, definition elementary problems in the field of family finance and finding ways to solve them;

The development of a horizon in the field of economic life of society and the formation of cognitive interest in the study of public disciplines.

III . The content of the course of extracurricular activities

Grade 5 (34 hours)

Section 1. Income and family expenses (10 hours).

Introduction Cognitive conversation "Why is it so important to study financial literacy?" Cognitive conversation "Money".Interactive conversation "Precious metals. Coins. Covers. " Creative task "Family Income". Work with statistics "Family Expenditures". Quiz "The essentials". Quiz "Durable Goods". Solving practical tasks "Services. Utilities". Role-playing game « Family budget". Practical work "Debts. Saving. Contributions.

Section 2. Risks of loss of money and property and as a person can protect against this (6 hours).

Cognitive conversation « Insurance Company. Insurance policy". Creative work "Insurance of property, health, life." The practical work "Principles of work of the insurance company."

Section 3. Family and State: how they interact (5 hours).

Mini-study "Taxes". Cognitive conversation "Social benefits." Solving the economic tasks "Social payments". The project "The state is us."

SECTION 4. Financial business: what it can help the family (12 hours).

Solving the problem situation "How to save money from inflation." Creative task "Banking services". Practical work "Deposits (deposits)". Business game "Credit. Pledge". Drawing up a business plan "Own business". The role-playing game "Features of employment and own business". Scene-role-playing game "Examples of business who are engaged in teenagers." Development of a business plan. Decision logical tasks "Currency in the modern world." Mini Project "Charity". Project "Personal Financial Plan".

Grade 6 (34 hours)

Section 1. The main problem of the economy (3 hours).

Cognitive conversation "The concept and parameters of the choice". Solving the economic tasks "Alternative value". Practical work "Method of decision making".

Section 2. Without which the market cannot do (2 hours).

Cognitive conversation "Private property". Scene-role game "Competition".

Section 3. Forms of business organization (4 hours).

Cognitive conversation "sole ownership." Business game "Association (COM and TOO)." Role-playing game "Joint Stock Company". Mini-project "Organization of Firm".

Section 4. Acquaintance with the Business Plan (6 hours).

Mini-project "Acquaintance with the business plan". The decision of the practical tasks of the "Organization of Firm". Solving the economic tasks "Drawing up a business plan." Creative task "Advertising". The role-playing game "Work of the company". Solving the economic tasks "Sale of products. Count profit. "

Section 5. You are the consumer (4 hours).

Work with documents "Consumer Rights". Legal advice "How and where the consumer can protect his rights." Practical work "Acquaintance with the barcode". Competition for the most economical use of resources.

Section 6. Laws of supply and demand (4 hours).

Analytical work "The Law of Demand". Solving the economic problems of the "demand curve". Practical work "The Law of the Offer". Solving the economic tasks "Curve Suggestions".

Section 7. Market balance (2 hours).

Cognitive conversation "Market balance". Solving the economic tasks "deficit and excess market".

Section 8. The emergence of banks (2 hours).

Interactive conversation "Banking services: credit, deposit". Practical work "loan, types of loans."

Section 9. Consumer of Financial Services (2 hours).

Business game "Work of the Bank". Business game "I want to take a loan."

Section 10. Professions of the banking sector (2 hours).

The plot role-playing game "Acquaintance with the professions of the banking sphere." Discussion "The value of banks for consumers".

Section 11. Project activities (3 hours).

Business game.The conference

Grade 7 (34 hours)

(5 o'clock).

Discussion "The role of money in our life." Solving the problem situation "Consumption or investment?" Analytical work "Assets in three dimensions. The enemy of personal capital. " Creative work "Model of three capital." The mini-project "Resource Saving is the basis of financial well-being."

Section 2. Finance and Credit (9 hours).

Cognitive conversation "The basic concepts of lending." Practical conversation "Types of loans." Cognitive conversation "What is the credit history of the borrower?" Solving the economic tasks "Arithmetic loans." Analytical work "pluses of instant loans." Analytical work "Minuses of instant loans." Round table "Financial pyramids". Cognitive conversation "Mortgage". Solving economic tasks "Mortgage arithmetic."

Section 3. Cash operations (3 hours).

Solving practical tasks "Exchange of currencies". Cognitive conversation "Banking cell and bank transfer". Round table "Bank cards: risks and management of them."

Section 4. Investments (6 hours).

Legal advice « Basic investment rules: how to sell securities. " Solving economic tasks « Investments in precious metals. " Cognitive conversation « What are blows? " Presentations of students "Deposits and their species". Role playing game "Managing".

Section 5. Insurance (4 hours).

Creative work "Participants in the Insurance Market". Analytical work "Personal Insurance". Legal advice "Insurance storage programs". Legal advice "Scammers in the insurance services market."

Section 6. Pensions (3 hours).

Cognitive conversation "State Pension Insurance". Cognitive conversation "Professional participants in the pension system." Practical work "Non-state pension funds: how to work with them?"

(3 hours).

Round table "Housing in Property: Myth or Reality?" Legal advice "Housing accumulative cooperatives: how to solve the apartment question with them." Practical work "Social hiring housing".

Section 8. Final Discussion in the course "Financial literacy". (1 hour).

Grade 8 (34 hours)

Section 1. Consumer culture (3 hours).

Cognitive conversation "What is consumer culture". Speeches of students "Consumption: structure and norms". Round table "Talk about the food culture."

Section 2. Consumer and Law (4 hours).

Cognitive conversation "Who is the consumer?" The practical work of the "diversity of human needs and their classification." Interactive conversation "Consumer Psychology". Work with documents. Need protection: Law "On Consumer Protection".

Section 3. Consumer - the king on the market (3 hours).

Cognitive conversation "What is the market?" The role-playing game "Types and methods of trade." Solving the economic tasks "Cheaper only for nothing."

Section 4. Where do money go? (4 hours).

The discussion "Reasonable expenses is an income article." Analytical work "Articles of income and expenses". Business game "Rational Budget Schoolboy". Cognitive conversation "Everybody pays taxes."

Section 5. Information for the consumer (6 hours).

Mini-study "Sources of Information". Mini-project "Advertising and its kinds". Practical work "Symbols on labels, packaging, liners." Practical work "We read labels, packaging, liners." Speeches of students "Index E: What he means." Practical work "We classify products containing index e".

Section 6. Art BUY (5 hours).

Practical work "Quality of goods". Round table "How to buy food?" Solving practical tasks "How to choose clothes and shoes?" Cognitive conversation « Household appliances: seriously and for a long time. " Round table "Does the goods always be exchanged."

Section 7. Consumer Culture in Services (2 hours).

Solving the economic tasks "Rules for use by communal services." Speeches of students "Everyone should know, going on the road."

Section 8. Who protects the rights of consumers (5 hours).

Cognitive conversation "Governmental protection of consumer rights". Round table "Public organizations for the protection of consumer rights". Legal counseling "In what cases does the consumer have the right to judicial protection?" Discussion "What is moral harm and how is it refundable?" Legal advice "Who protects the consumer?"

Section 9. Preparation and registration of creative student research projects (1 hour)

Section 10. Project Protection (1 hour)

Grade 9 (34 hours)

Section 1. (8 ocloc'k).

Topic 1. The origin of money.

Topic 2. Family cash sources.

Round table « What do personal and family income depend on? "

Topic 3. Family spending control.

Round table "What is a family budget and how to build it?" Practical work "How to optimize the family budget?"

Section 2. Ways to enhance family welfare (6 hours).

Topic 5. Ways to increase family revenues using financial organizations.

Practical work " How to increase family expenses using financial organizations? "

Topic 6. Financial planning as a way to improve well-being.

Cognitive conversation "Why do I need financial planning?" Business game "How to implement financial planning at different life stages?" Implementation of project work (what can be done yet to learn more).

Section 3. Risks in the world of money (7 o'clock).

Topic 7. Special Life Situations and how to cope with them.

Legal advice « Ozhs: disease, loss of work, natural and technogenic catastrophes. " Cognitive conversation « How will insurance help? "

Topic 8. Risks in the world of money.

Cognitive conversation « What is financial pyramids? "

(8 ocloc'k).

Topic 9. Banks and their role in the family life.

Round table « The benefits and risks of bank cards? "

Topic 10. Own business.

Speeches of students "What is a business?" Mini project "How to create your own business?"

Topic 11. Currency in the modern world.

Solving economic tasks « Is it possible to win by placing savings in the currency? " Implementation of project work.

Section 5. Man and state: how they interact (5 hours).

Topic 12. Taxes and their role in the life of the family.

Discussion "What is taxes and why pay them?" Working with documents "What taxes do we pay?"

Theme 13. Pension provision and financial well-being in old age.

Conference on the course "Financial Literacy".

IV . Thematic planning

Grade 5 (34 hours)

№ p / p	Topic Title
Section 1. Income and family expenses (10 hours)
1.	Introduction Cognitive conversation "Why is it so important to study financial literacy?"
2.	Report "Money".
3.	Interactive conversation "Precious metals. Coins. Covers. "
4.	The creative task of "family revenues".
5.	Work with statistics "Family Expenditures".
6.	Quiz "The essentials".
7.	Quiz "Durable Goods".
8.	Solving practical tasks "Services. Utilities".
9.	The role-playing game "Family Budget".
10.	Practical work "Debts. Saving. Contributions.
Section 2. Risks of the loss of money and property and how a person can defend from this (6 o'clock)
11.	The decision of the practical tasks "Special Life Situations and how to cope with them."
12.	Discussion "Economic consequences of unforeseen events: diseases, accidents, natural cataclysms."
13.	Solving the logical tasks "Insurance".
14.	Cognitive conversation "Insurance Company. Insurance policy".
15.	Creative work "Insurance of property, health, life."
16.	The practical work "Principles of work of the insurance company".
Section 3. Family and State: how they interact (5 hours)
17.	Mini-study "Taxes".
18.	Analytical work "Taxes".
19.	Cognitive conversation "Social benefits."
20.	Solving the economic tasks "Social payments".
21.	The project "The state is us."
SECTION 4. Financial business: what it can help the family (12 hours)
22.	Solving the problem situation "How to save money from inflation."
23.	Creative task "Banking services".
24.	Practical work "Deposits (deposits)".
25.	Business game "Credit. Pledge".
26.	Drawing up a business plan "Own business".
27.	The role-playing game "Features of employment and own business".
28.	Scene-role-playing game "Examples of business who are engaged in teenagers."
29.	Development of a business plan.
30.	Solving the practical tasks of the "currency in the modern world."
31.	Cognitive conversation "Currency of different countries".
32.	Mini Project "Charity".
33.	Project "Personal Financial Plan".
SECTION 5. What is financial literacy (1 hour)
34.	Conference on the course "Financial Literacy".

Grade 6 (34 hours)

Grade 7 (34 hours)

№ p / p	Topic Title
Section name (number of hours)
Section 1. Personal Financial Planning (5 o'clock)
1.	Discussion "The role of money in our life."
2.	Solving the problem situation "Consumption or investment?"
3.	Analytical work "Assets in three dimensions. The enemy of personal capital. "
4.	Creative work "Model of three capital."
5.	The mini-project "Resource Saving is the basis of financial well-being."
Section 2. Finance and Credit (9 hours)
6.	Cognitive conversation "The basic concepts of lending."
7.	Practical work "Types of loans".
8.	Cognitive conversation "What is the credit history of the borrower?"
9.	Solving the economic tasks "Arithmetic loans."
10.	Analytical work "pluses of instant loans."
11.	Analytical work "Minuses of instant loans."
12.	Round table "Financial pyramids".
13.	Cognitive conversation "Mortgage".
14.	Solving economic tasks "Mortgage arithmetic."
Section 3. Cash and cash operations (3 hours)
15.	Solving practical tasks "Exchange of currencies".
16.	Cognitive conversation "Banking cell and bank transfer".
17.	Round table "Bank cards: risks and management of them."
Section 4. Investments (6 hours)
18.	Legal advice "Basic investment rules: how to buy securities."
19.	Legal advice "Basic investment rules: how to sell securities".
20.	Solving the economic tasks "Investments in precious metals".
21.	Cognitive conversation "What are PIFES?"
22.	Presentations of students "Deposits and their species".
23.	Role playing game "Managing".
Section 5. Insurance (4 hours)
24.	Creative work "Participants in the Insurance Market".
25.	Analytical work "Personal Insurance".
26.	Legal advice "Insurance storage programs".
27.	Legal advice "Scammers in the insurance services market."
Section 6. Pensions (3 hours)
28.	Cognitive conversation "State Pension Insurance".
29.	Cognitive conversation "Professional participants in the pension system."
30.	Practical work "Non-state pension funds: how to work with them?"
Section 7. Housing in Property: Myth or Reality (3 hours)
31.	Round table "Housing in Property: Myth or Reality?"
32.	Legal advice "Housing accumulative cooperatives: how to solve the apartment question with them."
33.	Practical work "Social hiring housing".
Section 8. Summary Discussion (1 hour)
34.	Final discussion In the course "Financial literacy".

Grade 8 (34 hours)

Grade 9 (34 hours)

№ p / p	Topic Title
Section name (number of hours)
Section 1. Family Management (8 ocloc'k)
Topic 1. The origin of money
1.	Discussion "Money: What is it?"
2.	Analytical work "What can happen to money and how does this affect the finances of our family?"
Topic 2. Family Cash Sources
3.	Practical work "What are the sources of income?"
4.	Round table "What are personal and family income depend on?"
Topic 3. Family expenses control
5.	Discussion "How to control family costs and why do it?"
Topic 4. Building a family budget
6.	Round table "What is a family budget and how to build it?"
7-8.	Practical work "How to optimize the family budget?"
Section 2. Ways to enhance family well-being (6 hours)
Topic 5. Ways to increase family income using services financial organizations
9.	Mini-study "Why do Financial organizations need?"
10.	Practical work "How to increase family expenses using financial organizations?"
Topic 6. Financial planning as a way to improve welfare
11.	Cognitive conversation "Why do I need financial planning?"
12.	Business game "How to implement financial planning at different life stages?"
13-14.	Implementation of project work (what can be done yet to learn more).
Section 3. Risks in the world of money (7 o'clock)
Topic 7. Special life situations and how to cope with them
15.	Legal advice "ROOMS: Birth of a child, a loss of the breadwinner."
16.	Legal advice "ROOMS: disease, work loss, natural and man-made disasters."
17.	Cognitive conversation "What will insurance will help?"
Topic 8. Risks in the world of money
18.	Practical work "What are the financial risks?"
19.	Cognitive conversation "What is financial pyramids?"
20-21.	Implementation of project work.
Section 4. Family and Financial Organizations: How to cooperate without problems (8 ocloc'k)
Topic 9. Banks and their role in the life of the family
22.	Mini project "What is the bank and what can it be useful to you?"
23.	Round table "Use and risks of bank cards?"
Topic 10. Own business
24..	Speeches of students "What is a business?"
25.	Mini project "How to create your own business?"
Topic 11. Currency in the modern world
26.	Cognitive conversation "What is the currency market and how is it arranged?"
27.	Solving economic tasks "Is it possible to win by placing savings in the currency?"
28-29.	Implementation of project work.
Section 5. Man and state: how they interact (5 hours)
Topic 12. Taxes and their role in the life of the family
30.	Discussion "What is taxes and why pay them?"
31.	Working with documents "What taxes do we pay?"
Topic 13. Pension provision and financial well-being in old age
32.	Solving the economic tasks "What is a pension and how to make it worthy?"
33-34.	Conference on the course "Financial Literacy".

Sections: Technology Economy

I. Explanatory note on the subject of the "Basics of Financial Literacy"

The Working Program of the Item Fundamentals of Financial Literacy is compiled in accordance with UKC V.V. Chumachenko "Basics of Financial Literacy", as well as in accordance with the following documents:

1. Federal Law of December 29, 2012 No. 273-FZ "On Education in the Russian Federation".

2. The project of the Ministry of Finance of Russia "Promoting the level of financial literacy of the population and the development of financial education in the Russian Federation". Information about the project is presented on the official website of the Ministry of Finance of Russia: http://www.minfin.ru/en/om/fingram/

3. The concept of a national program to increase the level of financial literacy of the population of the Russian Federation http://www.misbfm.ru/node/11143.

4. Strategy for the development of the financial market of the Russian Federation for the period up to 2020 http://www.ippnou.ru/lenta.php?idarticle\u003d005586.

5. Main educational program Middle General Education MBOU "Gymnasium No. 3".

6. Regulations on the working program of training items, courses of extracurricular activities of the MBOU "Gymnasium No. 3" of August 30, 2018.

Increased financial literacy is one of the main directions of the formation of an investment resource marked in the concept of the long-term socio-economic development of the Russian Federation for the period up to 2020.

The urgency of the program "Fundamentals of Financial Literacy" is dictated by the development of the financial system and the emergence of a wide range of new complex financial products and services that are set to the citizens of the task, to whom they are not always ready.

Therefore, the introduction of the "Basics of Financial Literacy" course helps to create conditions for the development of the personality of a teenager, motivation for training, for the formation of social and professional self-determination, and is also the prevention of asocial behavior. It is the mastering basics of financial literacy will help students apply the knowledge gained in life and successfully socialized in society.

Ensuring the implementation of federal state educational standards of a new generation and the availability of high-quality education for students of all categories, our gymnasium creates conditions for obtaining additional economic Education, including its applied aspects - financial literacy, the fundamentals of consumer knowledge in high schools within the framework of elective courses.

The content of the Program is significantly expanding and complements the knowledge of high school students about personal financing, management of home accounting, the functioning of the stock market and the banking system, and the fulfillment of creative work, practical tasks will allow adolescents to gain experience in making economic decisions in the field of personal finance management, increase their professional competence in the future, Apply the knowledge gained in real life.

In addition, the challenges with financial and economic content are included in the materials of the final certification for the course of the Second School of the EGE.

The novelty of this program is the direction of the course on the formation of financial literacy of high school students on the basis of building a direct link between the knowledge gained and their practical application, understanding and using financial information at the moment and in the long term and focuses on the formation of responsibility in adolescents for financial decisions, taking into account personal safety. and well-being.
A distinctive feature of the program "Basics of Financial Literacy" is that it is based on a systematic learning approach to learning, which provides an active educational and educational position of students. They have not only basic knowledge in the financial sphere, but also the necessary skills, competences, personal characteristics and installations according to the GEF of the last generation.

The purpose of the program:formation of key competencies of high school students for the adoption of rational financial decisions in the field of personal finance management.

Program tasks:

Create comfortable conditions that promote communicative competencies;

Form a positive motivational relation to the economy through the development of cognitive interest and awareness of social necessity;

Examine the regulatory and methodological documents of the Ministry of Education and Science to improve the level of financial literacy and financial and economic education of students;

Master the knowledge system of financial institutions of modern society and personal finance management tools;

Send the ability to receive and critically comprehend economic information, analyze, systematize the data obtained;

To form experience in applying knowledge of financial institutions for effective self-realization in the field of personal finance management;

To form the readiness of the readiness to take responsible and reasonable solutions in the field of personal finance management, the ability to implement these decisions;

Form the foundations of culture and individual style of economic behavior, values \u200b\u200bof business ethics;

Relief responsibility for economic decisions.

II. General characteristics of the educational subject "Fundamentals of financial literacy"

To achieve their goals and, taking into account the foregoing, the organization of classes lie, first of all, pedagogical technologies based on cooperation and co-care participants educational process, critical analysis of obtained information of various types, actorstechnologies, project and research, game technology.

In class studies are engaged in various kinds cognitive activity, learn to creatively think and decide practical oriented Economic tasks.

Since the learning method is a generalizing model of the interrelated activity of the teacher and students and it determines the character (type) of cognitive activity of students, then the training methods are implemented in the following forms of work:

• Business boys.
• Use of technical means of training, Internet resources.
• Work with sources of economic information.
• Analysis of financial marketing tools, economic situation in separate markets and in the region.
• Interactive technologies.
• Group, frontal and individual work.
• Excursions.

III. Description of the site of the educational subject "Basics of Financial Literacy" in the curriculum

This program is intended for studying 10 x classes.

The work program is designed for 35 hours per year (1 hour per week).

IV. Planned results of development item "Basics of Financial Literacy"

Structure and content of the subject « Basics of financial literacy " » it is assumed that students should master the practical skills of planning and evaluating their own economic actions in the field of family budget management, personal finances.

During the school year, students of high schools demonstrate general design skills: plan and implement project activities; determine the priorities of goals taking into account values \u200b\u200band life plans; independently implement, monitor and correct its preliminary planning activities; use available resources to achieve goals; Apply all the necessary diversity of information and obtained as a result of learning knowledge, skills and competencies for goaling, planning and implementing an individual project.

Planned learning results

Subject results studying this subject - the acquisition of schoolchildren competencies in the field of financial literacy that have great importance For the subsequent integration of the person in modern banking and financial environment. In addition, the study of the course forms the skills of high school students accepting competent and reasonable financial decisions, which ultimately will help them achieve financial independence and success in business.

MetaPermetresults - Development of analytical abilities, decision-making skills based on a comparative analysis of savings alternatives, planning and predicting future income and expenses of the personal budget, management skills.

Personal results The study of the course is the upbringing of motivation to work, the desire to build their future on the basis of goal-setting and planning, responsibility for the present and future own financial well-being, well-being of their family and the state.

In this way, as a result of learning on this subject a graduate will learn:

Accept rational financial decisions in the field of personal financial management;

Conduct timely financial analysis;

Put strategic tasks to achieve personal financial goals;

Plan and predict future income and personal budget spending;

Determine the directions of interaction of citizens with stock and currency rays;

The basics of interaction with credit institutions;

Basic concepts and tools of interaction with participants in financial relations;

The basics of management of tax payments in order to reduce tax expenditures in terms of compliance with tax discipline;

Choose insurance products and insurance companies;

Take investment solutions from the standpoint of minimization of financial risks;

Make a personal financial plan.

Graduate get the opportunity to learn:

In collaboration with the teacher, set new educational tasks;

Recognize the principles of functioning of the financial system of the modern state;

Understand personal responsibility for decisions taken in the process of interaction with financial institutions;

Understand the rights and obligations in the field of finance;

Own communicative competences;

Analyze and interpret financial information from different sources;

Define personal finance management tasks;

Find sources of information to solve financial tasks;

Cooperate with peers and adults in educational and educational activities;

Form your own financial strategy;

Solve financial tasks;

Show a cognitive initiative in educational cooperation;

Independently take into account the actions dedicated teacher in new educational material;

Implement a statement and anticipating control on the result and in a method of action, current control at the level of arbitrary attention;

Independently evaluate the correctness of the performance and make the necessary adjustments to both the implementation of its implementation and at the end of the action.

V. Contents of the training subject program "Basics of Financial Literacy" (35 hours)

Personal financial planning (11 hours).

Acquaintance with the course. a brief description of The course has studied. Formation of the concept of human capital. Formation of knowledge about the use of human capital.

Making personal financing decisions. Defining goals, selection of alternatives.

Assets and liabilities. Income and expenses. Drawing up the current and promising personal financial budget. Basic sources of income. Typical levels of income and expenses during the life of a person. The state of the current personal financial plan.

Personal financial planning. Strategy and tactics in the financial game.

Lecter lesson, the lesson of the opening of new knowledge, the lesson of the actualization of knowledge, combined lesson, Lesson-Generalization, Lesson - Business game, Creative work.

Main activities.

Know the role of the subject of the "Basics of Financial Literacy", the concept of "human capital", "Money", their functions. To be able to explain what consumption is that is the main sources of income, recognize their assets and liabilities, to be able to record them. Know how to make a budget, be able to optimize costs. To be able to develop a strategy to achieve its goals, create a personal financial plan for achieving goals. To be able to work in a team, strive to cooperate.

Deposit (7 hours).

Accumulations, inflation, causes of inflation, calculation of inflation. Deposit. Risk assessment. Interest on deposits. The advantages and disadvantages of the deposit. Terms and content of the deposit. Rated rate, real rate, deposit agreement. Types of bank deposits. Banks, bank deposits, financial risks.

Forms of organization of training sessions.

The lesson is the discovery of new knowledge, the lesson of the actualization of knowledge, a combined lesson, a lesson - summarizing knowledge.

Main activities.

Know the concept of accumulation and inflation, causes of inflation. Calculate inflation.

Know the concept of a deposit. To be able to give your own risk assessment, know ways to accrual interest on deposits. To be able to characterize the features of the deposit in Russia. Know the ways to accrual interest on deposits. To be able to calculate simple and complex interest on the deposit, bring examples of the types of bank deposits, exercise creativity in creative work.

Credit (7 hours).

The concept of a loan. Acquaintance with the main characteristics of the loan. Benefit when choosing a loan. Loan cost. Calculations to reduce the cost of the loan. Typical errors when using credit.

Forms of organization of training sessions.

The lesson is the discovery of new knowledge, the lesson of the actualization of knowledge, a combined lesson, a lesson - generalizations, creative work.

Main activities.

Know the concept of "credit", its characteristics. Know required documents When making a loan. Learn to analyze and compare the conditions on the loan in various banks. To be able to characterize the features of the loan in Russia, lead their own examples of the rights and obligations of the loan to give an assessment of the studied phenomenon, to exercise creativity in creative work.

Cash operations (7 hours).

Banking system, economic situations. Education with the choice of a bank card. Types of bank cards (debit and credit). Bank profit. Main types of bank interest. Plastic cards. ATMs, mobile banks. The use of plastic cards in calculations and payments, the difference between debit and credit cards. Storage exchange and transfer of money. Different kinds payment facilities. Forms of remote banking services. Repetition studied by block. Excursion to the bank.

Forms of organization of training sessions.

The lesson is the opening of new knowledge, a lesson to actual knowledge, a combined lesson, a lesson - generalizations, lesson - Excursion.

Main activities.

Know the concept of "banking system", the functions of the Central Bank. To be able to solve cognitive and practical tasks reflecting typical economic situations. Know the types of bank cards. Understand what is the mechanism for receiving banking profits. To be able to characterize the main types of bank interest. Know the rules for the use of ATMs, mobile banks, online banks.

Repetition of the studied (3 hours).

Personal financial planning, deposit, credit, settlement and cash operations. Strategy and tactics in the business game "Golden Crown".

Forms of organization of training sessions.

The lesson is a business game, a knowledge of knowledge of knowledge.

Main activities.

To be able to apply in practice knowledge obtained in the lessons on the subject of the "Basics of Financial Literacy", develop strategy and tactics in the team game, to exercise creativity, initiative.

Vi. Description of the educational and methodological kit on the educational subject "Fundamentals of financial literacy"

1. V.V. Chumachenko. Basics of financial literacy. Tutorial. - M.: Education, 2018
2. V.V. Chumachenko. Basics of financial literacy. Guidelines. - M.: Education, 2018
3. V.V. Chumachenko. Basics of financial literacy. Workbook. - M.: Education, 2018

Internet resources for a student and teacher

VII. Calendar-thematic planning of the subject "Basics of Financial Literacy"

No. p / p	Theme lesson		Clock	The date of the lesson on the plan 10 "D" 10 "F	The date of the lesson on the fact 10 "D" 10 "F
Personal financial planning (11 hours)
		Acquaintance with the course "OFG"
		Human capital and success
		Personal Financing Decision
		Home Accounting. Assets and liabilities
		Home Accounting. Income and expenses
		Drawing up a personal financial plan
		Creative work "Drawing up a personal plan"
		Business game "My Strategy"
Deposit (7 hours)
		Accumulation and inflation
		What is a deposit and what is his nature?
		Deposit Terms
		Deposit Risk Management
		Repetition of the "Deposit"
Credit (7 hours)
		What is a loan?
		The main characteristics of the loan
		How to choose the most profitable loan
		How to reduce loan cost
		Typical errors when using loan
		Creative work "Case"
Cash operations (7 hours)
		Storage, exchange and transfer of money
		Different types of payment

The publication was prepared as part of a joint project of the Ministry of Finance of the Russian Federation and the World Bank "Facilitating the level of financial literacy and the development of financial education in the Russian Federation ».

In 8-9 classes, children are trained at the age of 14-16, when they acquire part of the rights and obligations from a legal point of view, including in the financial sector. Therefore, it becomes necessary to train adolescents by the skills that will be needed for optimal behavior in modern conditions of the financial world.

At the same time, students of grades 8-9 are able to expand their horizons in financial matters due to the development of general accuracy of the school. Also at this age, the personal self-determination of schoolchildren begins to be carried out, they go into adulthood, mastering some new ones for themselves by an adult. Therefore, in the course of learning, it is important to rely on the personal needs of the student, not only to form the ability to act in the field of finance, but also to connect the internal mechanisms of the schoolboy self-determination. You need to teach him not to be afraid of adulthood and show that there are algorithms actions in certain fiscal situations. At the same time, the basic ability to form students is the ability to evaluate the financial situation, choose the most appropriate solution to solving the family problem.

In this course, budgeting issues are discussed at a more complex level than in previous classes, the issues of long-term planning of the family budget are investigated and special attention is paid to the planning of the Personal Budget.

Considerable attention in the course is given to the formation of the competence of the search, selection, analysis and interpretation of financial information from various sources both on electronic and paper carriers.

Most of-time is given to practical activities to obtain experience in an expanded circle (compared with previous classes) of financial relations.

Financial literacy: curriculum. 8 - 9 classes general education organization (Basic general education)


The program shows the goals and objectives of the course, the planned educational results and the evaluation system, the forms and methods of organizing the educational process are described, as well as a list of educational and methodological and material and technical resources.

Training program

Financial literacy: Pupils. 8 - 9 classes of general education organization

Materials are called upon to familiarize adolescents with the basics of rational financial behavior - as reasonable to organize and optimize the future family budget, which must be done to increase personal and family well-being, why it is important to provide for financial losses and how to minimize them, how to learn how to manage your finances Old age, etc.

Financial literacy: Methodological recommendations for the teacher. 8 - 9 classes of general education organization

For each classes, targets (masterful concepts, knowledge, competencies) are identified, given classes and learning tools. A step by step is described by the organization learning activities To achieve the goals. Suitable additional material For a teacher who will help him with the explanation of financial phenomena or processes. At the end of each occupation, topics for discussions are offered both in class and in the family circle.

Methodical recommendations for teacher

Financial literacy: materials for parents. 8 - 9 classes of general education organization

Materials are designed to help family learn together with children to solve emerging financial problems. The nature of the materials is different: these are questions for joint discussion of financial topics, tasks such as a financial simulator with answers, additional information on the topic studied for the parents themselves. Offered practical advicewhich will allow adults to become financially literate and successfully cope with financial problems, as well as teach it their children.

In 2015/2016 academic year, an experimental literacy rate for schoolchildren was tested in 8 Kaliningrad educational institutions.

At the same time from the Kaliningrad region, the testing of financial literacy classes was held in four regions participating in the project: Volgograd, Arkhangelsk regions, as well as in the Altai and Krasnodar Territories.

In our region, nine general education took part in the approbation educational institutions: School No. 12, 31 and 47 Cities of Kaliningrad, Lugovskaya School of the Guryevsky District, Lyceum No. 10 of Sovetsk, Cadet Corps. A. First Called, as well as College of Service and Tourism and College of Entrepreneurship. In general, more than 1,000 students took part in financial literacy classes.

In the school schedule for experimental classes, 17 school hours were provided (that is, 1 hour per week), a doubled number for 10-11 classes - 34 hours (2 hours a week). Wherein, educational materials For 10-11 classes are distributed by profiles: for an economic, legal, mathematical profile and baseline.

The course provided for two stages of monitoring the level of financial literacy of teachers and parents: "Input" (preliminary) and final testing.

In total, 83 textbooks included in 17 educational and methodological sets were developed for testing lessons. Specially designed financial literacy textbooks are provided for different groups of students: 2-4 classes, 5-7 classes, 8-9 classes and 10-11 classes of secondary schools, as well as students of secondary vocational education institutions and students of boarding schools. Also developed guidelines for teachers, testing materials, didactic materials For parents and benefits for individual work. For individual occupations Materials are divided into modules: "Banks", "stock market", "own business", "Financial risks", "insurance", "pension provision".

According to the results of the approbation, the experience of the regions in which approbation was carried out, training materials will be corrected and distributed throughout Russia until the end of 2018.

Educational materials are available for download:

2 - 4 classes of general education organization (initial stage)

The course program is drawn up for 2-3 grades (the author of materials for students - S. Fedin) and grade 4 (the author of the materials for students - Glovel). The program shows the goals and objectives of the course, the planned educational results and the evaluation system, the forms and methods of organizing the educational process are described, as well as a list of educational and methodological and material and technical resources.

Financial literacy: Pupils. 2, 3 classes of a general education organization. In 2 parts

Starting at school, the child makes the first steps in adulthood. In order for it not to be confused in it and became in the future financially prosperous man, he needs to master the alphabet of financial literacy and learn to consider money. This will make it a benefit in this. In an entertaining form, the initial basic concepts from the world of money are presented here and their role in our lives is shown; It is described what money is spent on how to manage them, how to protect itself from fraudsters and more about many other things.

Financial literacy: Pupils. 4th grade of general education organization

From this book, students learn about the world of money: how and from where they appeared, what they happen to what the difference between cash and non-cash money, what is a family budget and why it is important to plan it correctly, as people increase their income, how to protect against fraudsters and about a lot of other.

5 - 7 classes of general education organization (basic general education)

In the manuals told about complex world Money and the basic rules of human behavior in it. It is explained in detail where family income is taken from what a family budget is and why it is important to plan it correctly. A significant place is given to the protection of a person from the risk of losing money and property, the interaction of the state and family, the possibility of improving the financial condition of the person due to the organization of its own business. The benefits are written with a light, well-understandable schoolchildren with a language and can serve as a basis for conducting classes in the classroom, the preparation of independent projects and solutions to financial tasks in conjunction with parents.

8 - 9 classes of general education organization (basic general education)

Materials are called upon to familiarize adolescents with the basics of rational financial behavior - as reasonable to organize and optimize the future family budget, which must be done to increase personal and family well-being, why it is important to provide for financial losses and how to minimize them, how to learn how to manage your finances Old age, etc.

10 - 11 classes of general education organization (secondary education)

In an accessible form, the main aspects of personal finance management, taking into account the current trends in the development of the financial sector of the economy and the current legislation. The tasks contained in the manual are aimed at development. cognitive activity students, independence and initiatives in the field of personal finance management.

10 - 11 classes of a general education organization. Mathematical Profile (secondary general education)

The manual contains a mathematical description of traditional disciplines for financial literacy of issues: simple and complex interest, accounting for high-end financial flows, calculating the prices of financial instruments and assessment of investment projects. Significant place is given to examples of solving problems. For the description and assessment of risks associated with financial transactions, the concepts of probability theory and mathematical statistics are actively used. Materials are excessive and suggest the possibility of a schoolboy to master the sections relating to the theory of probabilities and statistics.

10 - 11 classes of a general education organization. Economic profile (secondary education)

The course is devoted to key issues of the functioning of modern financial institutions and human interaction mechanisms with them. As part of the course, such financial concepts as commercial banks, investment funds, securities market, tax system, pension funds, etc., reveal their essence and shows a place in the financial life of modern Russia.

Materials of the learning course on financial literacy for students educational organizations secondary vocational education

In the manuals in a simple and accessible form outlines the issues of financial well-being of family and disposal of cash. In addition to such standard, as savings, credit, insurance, taxes and pensions considered to be allowed, highlighting the legal aspects of employee relations with the employer, employment issues and career growth, private entrepreneurship organizations, protection measures from financial fraud and other participating in the analysis of real life situations and business cases, in group projects and discussions and performing tasks for searching and analyzing data, students are preparing to use the knowledge gained in practice.