Among the citizens of the OECD countries, the Italians are the least prepared from an economic-financial point of view. A record that resists: “Yes, we are still the last”, he comments Magda Bianco, at the helm of the Customer Protection and Financial Education department of Bank of Italy, which constantly investigates thefinancial illiteracy of the adult population. “In a moment of crisis like this, the problem becomes a real emergency”, explains the official on the sidelines of a meeting at Trento Economy Festival.
Unlike other countries, financial education in Italy it is not part of the school curricula, “While it would be useful to include it in civic education programs alongside legality and digital education”. As for adults, those who according to the OECD are totally fasting matter exceed 60%. So better “do not subscribe to anything that we are unable to understand, and check our choices on places such as institutional sites, free of conflicts of interest “. But it’s not just a question of education. “Cases like Parmalat or those of the councils have led to a very strong decline in confidence, which must be rebuilt. Also through a supervision of protection that in addition to requiring transparency aims at an offer of financial products oriented to the real needs of people “, explains Bianco, who reminds that today it is possible to make a complaint directly to the Bank of Italy, as well as to make use of a banking and financial arbitrator. “In 70% of cases, the customer is right”, He says, admitting that on the surveillance front there is still a lot to do. “But these are also percentages that tend to evolve positively, because what emerges from the appeals nourishes our work on legislation and the conception of more effective rules”.