J N6H1EN COU GUO DUG NUOC NGOAj '''' GIAO DUC TAI CHINH TRONG CHUdNG TRiNH GIAO DUC PHO THON CUA MALAYSIA VA BAI HOC KINH NGHIEM CHO VIET NAM TRAN THI PHUUNG NAM nta Kbu IWG Glte doc Vlft Nan EBiil tnrt&[.]
J N6H1EN COU GUO DUG NUOC NGOAj ' GIAO DUC TAI CHINH TRONG CHUdNG TRiNH GIAO DUC PHO THON CUA MALAYSIA VA BAI HOC KINH NGHIEM CHO VIET NAM TRAN THI PHUUNG NAM nta Kbu IWG Glte doc Vlft Nan EBiil: tnrt&iplniMfiiaineiiiialLcMi Tim tit d mdt sd nudc vifc dua ngi dung gido duc tdi chlnh vdo chucmg trinh nhd truimg duac coi Id n trwig nhtfng edch hiiu qud vd cdng bdng nhdt deed thiti^ edn tdi todn bd ede thihf tucmg iai Bdi viit trinh WkH qudt vi chiin lugc gido due tdi chinh vd gido due tdi chlnh truimg ptid thdng d Malaysia, cd thi Idm tdi ttiam khdo eho gido due tdi ehinh nhd truimg tgi Viet Nam Theo tdc gid Viet Nam nin tdp trung nhiiu han ^ng dgy kiin thdc ndng cao hiiu biet ve tdi chlnh cho hoc sinh thdng gidm lugng thdng tin ve ngdn hdng han Wiigido due tdi chlnh cua Malaysia Tdkhia: Gido dgc tii ehinh; ehUrmg trinh; gido due thdng; Malaysia; Viet Nam (Nhdn bdi ngdy 29/11/2016; Nhdn kit qud phdn biin vd chlnh sda ngdy 04/01/2017; Duyft ddng ngdy 25/02/20 I.OItv^ndf CIc qudc gia trfn thf giiA d f u cdng nhan: Ki ning, nhln ^ f l c hifu bift vf tdi chlnh Id m f t kT ndng sdng quan trpng ddi vdi mpi c l nhln Tfi chflc OECD eho ring, tn>r>g d c hifu bift eln b i n cfla mdt c l nhln, mdt hilu bift rit quan trpng, nhft Id thdi d^i kinh t f hifn d^i hifn nay, dd I I ndng nhln thfle vf t l i chlnh H^i dfng OECD (ndm 2005) d l khuyfn nghj ring: 'Gido due ldi (jilnh nin bdr ddu ttf truimg hge NguiA ddn cdn dugc gfdo due cdc vdn di tdi chlnh cdng simi edng tit tiong cudc iWf ciJo hp' Tfl hdu q u i cfla cufc khflng hoing t l i ehinh toin elu nim 2007, ele v i n df vf gido dyc t l i chfnh vd hifu bift t l i chfnh da dflpc qude t f thfla nhln Id mdt kl ning sdng quan trpng ddi vdi mdi c l nhln Ngiy cdng nhifu qudc gia da dUa chifn lupe v l chupng trinh giio dyc tdi chinh vdo chUdng trinh n h i trudng vd thift kf mdt khung hpc t i p ey thf dd, thifu nifn Id nhflng ngudi ed ning p bifn tdt nhft d e thdi quen mdi eho thdnh phdn edn cua x l hpi Hieu bift vf tdi ehfnh se giup ndng eao ning li tdng t h f m sfl thdn trpng qudn Illdi chinh cflng nl tdng nhu d u ddi vdi d c djch vu t l i chlnh cd chit lupi cua d c hd gia dinh vd cde doanh nghifp Chifn lu gido dyc tdi chinh hifu q u i giup ndng eao hon nfla k ndng quyet dinh dung d i n cua ngudi tifu dung, tfli tifp tuc cung c6 vj tri efla khu vyc hd gia dinh m kinh tf, giup ho du hifu bift d l cd nhung tifu dung if cflc hem, gifl vai trd quan trpng vifc dinh hUdi hifu q u i nginh edng nghifp dich vy t l i ehfnh Chi6i lupc gido due tdi chfnh cOa Malaysia Chien iupe gido dyc ldi chfnh d Malaysia ddt m tifu I I tap trung vdo vife xiy dyng ndng lye tdi chli cho ngudi tifu dur>g Gilo due t l i ehinh I I mpt troi Gido dye tdi ehfnh 11 mdt nhflng ki ndng sdng nhflng yeu td quan trong muc tifu bio vf ngi cin thift vd cin phit trifn tfl rit sdm cupc ddi tifu dung efla dat nude Malaysia mfi ngudi Cdc chflemg trinh ndng cao ning lyc t l i Bao d o ehuyen ddi kinh te efla Malaysia nim 20 chfnh ddnh cho ngudi Idn ludn ed s3n d t i t cd cic giai cho ring kl ndng hieu biet ve gllo dyc t l i chinh se gii do^n cufc sdng Muc tifu cfla gido due tdi chfnh id giup hudng tdi mdt nfn kinh te thu nhfp cao Vifc trifn kh cho ngudi tifu dung ed k h i ndng tiep can toin difn vdi cd hieu q u i d e sing kifn gido dyc tai ehinh dflpc hd t thfng tin, ning cao hifu bift vf t l i chinh m f t each ding bdi i(hung dinh g i l giio due t l i ehinh Vdi mong mm tin edy vd kip thdi m f t s6 nude, vifc dua ndi dung giio dd, kft qud mong di^ vf d c sang kien chifn lu dye tdi chlnh vdo chuong trlnh nhd trudng duge gido dye tdi chfnh cua Malaysia Id giflp ngUdi tifu dui coi Id mdt nhCftig cdch hifu qud vd edng bing n h l l dupe trang bi kien thfle, ki ndng vd edng ey di dua d^ cd tni tifp can tdi todn bd cdc the hf tuong quyet dinh tdi chinh phfl hpp vd xdy dung, quin If va b lal Ngodi ra, chflemg trinh gido due ve t l i ehinh keo ddi vf sy thjnh vupng efla m6i d nhln thdng qua su tha nhifu ndm c6 the eoi I I phuong tifn giup hlnh gia ed hifu q u i va eo y nghTa he thdng t l i chii thinh vd phdt trifn eac hdnh vi, ndng lyc tdi ehinh hop v ^ t i f u chuan sdng cao hem II hon eho mdi d nhln d f n tu6i trudng thdnh Oifu Ngdn hdng Negara Malaysia Id ddn vi xiy dyng niy ddc bift quan trpng cdc bdc phy huynh khdng difu hanh d c sdng kien gido dyc tdi ehinh d d p qu< dupe trang bj diy du df ed thf tnjyf n d^t eho em gia vd d e ehfnh sach nhim ndng cao hifu bidt vf i d c kifn thdc ki ndng, hifu bift vf tdi chinh Bdn canh chfnh dupc xiy dung bao gom: Sl ^ NGHliN CUtI G U O DUG NU0G NGOAl - Ke hoach tdng thf p h i t triln ngdnh Tdi chfnh giai doan 2001 - 2010 vdi myc tifu gido due ngudi lidu dung ve d e sdn pham va dich vy, vai trd v l chflc nang cfla d e don v i l l i ehinh - Kf hoach p h l l trien nginh tdi ehfnh giai doan 2011 - 2020 t i p trung vio tang cUdng nang lyc qudn If t l i chinh eho ngudi lidu dung d l dua cde quyet djnh t l i ehinh ed thdng tin, traeh nhidm va hifu q u i -Trong Ke hoaeh ehuyen doi kinh te (2010-2020), gido duc tdi chinh dugc xle djnh la mdl yeu td d i m bio ring ITnh vuc djch vy tai ehinh cd the ddng gdp vio sy phdt triln cua Malaysia Ngin hdng Negara Malaysia dupe xdc djnh II don vi dflng d l u td chflc cdc hoat ddng phdi hpp thyc hifn efla chyong trlnh giio dyc tdi chfnh quoc gia Mdt dinh hudng chien lupc dugc thilt lap bdi Bp Gilo due Malaysia v l Ngin hdng Trung ucmg Negara Malaysia vf giio due tdi chinh nhU sau: 1/Tfeh hpp vdo chuong trinh gilng day cua trudng phd thdng, cde chuong trinh hpe ehinh khda cfla trudng, d c hoat ddng cua Cdu lac bp Tdi ehfnh n h i trUdng 2/ Phucmg phdp l i l p eln theo giai doan d l thyc hien giio due t l i chfnh ddnh cho ngudi Idn dya vdo cudc song thyc te: Cung d p quyf n truy cap thdng tin tdi chfnh; Nghifn cflU v l ngUdi tifu dung d l hoaeh djnh chinh sieh v l chuong trinh phdt triln Chiln luoe gido dyc ldi chfnh eua Malaysia da phdt triln tfl vifc bifn thdng tin d i n mdt sing kiln da ngdnh v l nhim vdo muc tieu trpng l l m Khi m i l l l n dau tifn vdo nim 2003, trpng t i m eua chiln lupc Id ndng cao nhln thfle v l ngin hing vd bdo hiem, cdc sdn pham vd djch vu, vdt tu, thdng tin da dupc phd biln thdng qua d c trang web vd cdc td rcA, quing d o Ngiy nay, cdc thdng difp chlnh todn difn hon l i p trung vdo sy thdn trpng c l nhln quin ii vd sfldyng ldi chfnh kip thdi, ddi m