个人理财：过去，现在和未来[文献翻译]

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1、原文：PersonalFinance:Past,PresentandFutureIntroductionInrecentyears,theneedforfinancialeducationhasgainedtheattentionofawiderangeofentitiesincludingbankingcompanies,governmentagencies,grass‐rootsconsumerandcommunityinterestgroups,universities,schools,andotherorganization

2、s.Numerousfactorshaveledtoacomplex,specializedfinancialservicesmarketplacethatrequiresconsumerstobeactivelyengagediftheyaretomanagetheirfinanceseffectively.Theforcesoftechnologyandmarketinnovation,drivenbyincreasedcompetition,haveresultedinasophisticatedindustryinwhich

3、consumersareofferedabroadspectrumofservicesbyawidearrayofproviders.Otherimportantdemographicandmarkettrendscontributingtoconcernsincludeincreaseddiversityofthepopulation,resultinginhouseholdsthatmayfacelanguage,cultural,orotherbarrierstoestablishingabankingrelationship

4、;expandedaccesstocreditforyoungerpopulations;andincreasedemployeeresponsibilityfordirectingtheirowninvestmentsinemployer‐sponsoredretirementandpensionplans.Theprevailingconcernisthatconsumerslackaworkingknowledgeoffinancialconceptsanddonothavethetoolstheyneedtomakedeci

5、sionsmostadvantageoustotheireconomicwellbeing.Financialdecisionsmadebyconsumersaffectanindividual’sorfamily’scurrentfinancialwellbeingandabilitytosaveforlong‐termgoalssuchasbuyingahome,seekinghighereducation,orfinancingretirement.Inaddition,theconsumerdecisionsalsoplay

6、animportantroleintheoveralleconomichealthofthenation,aswasexperiencedthroughtherecenteconomiccrisis.Mostrecenteconomicissuessuchascreditcarddebt,homeforeclosures,reducedsavings,decliningvaluesofinvestments,thecollapseofthesubprimelendingmarket,andescalatingnumbersofper

7、sonalbankruptcyhavefocusedthenation’sattentionontheimportanceoffinancialeducation.Technologicaladvanceshavetransformednearlyeveryaspectofthemarketing,delivery,andprocessingoffinancialproductsandservice.Theforcesoftechnologyandmarketinnovation,drivenbyincreasedcompetiti

8、on,haveresultedinasophisticatedindustryinwhichawidearrayofprovidersoffersconsumersabroadspectrumoffinancialproductsan