《學會理財》活動課教學設計

1、學會理財活動課教學設計【教學目標】1.知識與技能目標通過教學使學生了解隨著社會經濟的發(fā)展，人們的消費水平、消費選擇、消費觀念的變化；學會合理消費和理財，提高適度消費、理性消費的能力。2.過程與方法目標通過創(chuàng)設問題情境和對消費調查、生活實例及現象的剖析，在體驗、思考和解決問題的過程中學會消費、學會理財。從參與社會經濟生活的角度，體會樹立合理消費、合理理財的意識和提高這方面能力的必要性。3.情感態(tài)度與價值觀目標通過自身消費體驗與理性思考，體會樹立合理消費、合理理財的意識和提高這方面能力的必要性?！窘虒W重點】幫助學生學會合理消費?！窘虒W難點】幫助學生學會理財，確立綠色消費觀?！窘虒W方法】活動教學法、

2、小組討論法、情景體驗教學法【課時安排】一課時【教學設計】導入新課師：同學們，我們11月份的綜合實踐課主題是理財有方，大家通過上周的學習，了解了來之不易的收入問題，同學們進行了調查和體驗活動。特別是體驗用勞動換零花錢的方法，老師想找一位同學匯報一下。（17頁照書讀）討論：你賣報紙的錢打算怎樣花呢？匯報：同學們，我們的零花錢花的對不對，合不合理呢？你想不想通過自己的努力成為理財小能手呢？今天我們接著學習學會理財一課。學會理財，合理消費活動1：你對理財知識了解多少？18頁調查匯報：、儲蓄理財、保險理財、股票理財？信用卡理財？、理財步驟？、計算自己一天有多少零用錢？零用錢使用情況。、影響你選擇商品的主

3、要因素有哪些？、你在購買商品時主要看重商品的什么？取經園-看看他人消費、理財之道1.比爾蓋茨的故事2.英國首相布來爾的妻子謝麗的故事3.一個猶太人的故事總結：成功之處：比爾蓋茨錢要花得值；英國首相布萊爾的妻子謝麗錢要花得精；一個猶太人錢要花得巧。我理我財說我們自己消費理財的故事說說自己、家人或朋友的成功消費經歷或消費心得。小提示：請說明這次消費的原因、消費過程 、消費結果。并用一句話概括他（她）消費的成功之處根據學生發(fā)言，引導學生總結消費心得，并隨之板書。展示各種環(huán)保標志及視頻，說明消費不僅與個人的生存發(fā)展有關，還應關注環(huán)境、關注社會，即要綠色消費、愛心消費。制定我們的理財計劃聽了消費理財的故

4、事，對綠色消費、愛心消費也有一個理性的認識，下面請同學們小組為單位，制定理財計劃。學生以小組為單位，制定理財計劃。書19頁老師展示自己的消費寶典并和學生分享。1.消費前，作預算，把錢花在關鍵點。2.消費中，不超支，經濟適用是首選。3.有理智，不攀比，金錢絕對不浪費。4.受教育，學文化，精神消費新熱點。5.環(huán)保點，節(jié)儉點，綠色消費更美好！我是消費高手消費煩惱我出招有了消費寶典，我們的消費能力會有一定的增強。那么，在現實生活中，一旦遇到下面這些問題時，你會怎么辦？1.你看中了一件比較貴的衣服，但暫時沒有支付能力，你會怎么辦 ?2.很多同學都擁有了某件名牌商品，他們勸你也買，你會怎么辦 ?3.班上“

5、人情消費”之風盛行，同學都在節(jié)日或朋友過生日時互送禮物，你不堪重負。你會【課堂小結】總結本課知識點【課后實踐】走近生活1、假如今年春節(jié)你有200元壓歲錢，你會怎么花這筆錢呢？2、請根據我們的消費寶典制定更合理的零花錢消費方案?！景鍟O計】學會合理消費一、消費面面觀1.人們的消費選擇越來越多樣化，2.消費水平不斷提高3.人們的消費觀念在發(fā)生變化。二、學會理財，合理消費1.消費前，作預算，不攀比，做到理性消費2.消費中，要節(jié)儉，講環(huán)保，注重精神消費資料：儲蓄理財：書18頁保險理財：介紹了有關保險的方方面面，讀者可以對保險的概念有一個比較清楚的認識。需要什么樣的保險，投多少保額，心中有數。用目前已知

6、的、有限的金錢，控制未來無限、不可承受的風險，這就是保險存在的價值。只有給自己和家人建立更多的保障，才能規(guī)劃完美的人生旅途。該書總結的保險理財經驗、技巧，對投保人是較好的借鑒。股票理財：是一種投資理財方式,指投資于股票的理財方式。股票投資屬于風險投資。股票可以公開上市，也可以不上市。在股票市場上，股票也是投資和投機的對象。信用卡理財：很多人喜歡信用卡，最鐘愛的就是信用卡“先花后還”的透支功能。但是，如果到現在對信用卡的認識還僅僅停留在透支和刷卡消費等基本功能上，那就真的落伍了。因為，信用卡除了簡單的透支功能外，如果運用得好，它不僅能省錢還可以幫人們賺錢。理財主要分為幾個步驟：第一，了解自己所處

7、的階段，據此明確自己的理財重點，如你是單身還是等等；第二，分析自己的財務狀況，包括自己的收入、支出、擁有的保險以及投資狀況；第三，明確自己的理財目標，如何時結婚，結婚費用多少，何時生孩子，用多少錢養(yǎng)孩子等等，第四，知道自己的風險承受能力，第五，根據以上狀況，配置自己的資產，如購買何種投資產品，像基金定投，這是個人比較推崇的，風險相對較小，堅持長期投資、分散投資，可以降低自身的風險，當然，這種投資理念是通用的。第六，定期對自己的投資架構進行評估，查看是否能夠達成未來的理財目標，如果不能就需要進行調整。qcwa3ptgz7r4i30ka1dkaghn3xtkknbycudxqa7fhyi2chhi

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