老年人和青少年的金融素养水平相对较低 ， “ 一老一少”仍将是金融教育持续关注的重点对象；尼尔森发布的《中国年轻人负债状况报告》及央视财经发布的《2019-2020中国青年消费报告》显示，年轻一代具有巨大的消费潜力，信用消费成为消费升级重要途径，86.6%的年轻人都在使用信贷产品，近半数人没有债务累积，年轻一代虽然整体呈现理性消费趋势，虽与外界贴上的“过度挥霍”标签大相径庭，但部分年轻人的确存在过度消费、跟风消费行为，并因此产生了过大的财务压力和债务风险，甚至导致社会问题逐渐增加，金融企业应勇于承担社会责任，进行正向引导。
Level of financial literacy of senior citizens and young people is relatively low, and they will still be the key objects of financial education; according to the Report on Debt Status of Chinese Young People issued by Nelson and the Report of Consumption of Chinese Young People from 2019 to 2020 issued by CTV Finance, the younger generation has huge consumption potential, and credit consumption has become an important means of consumption upgrading; 86.6% of young people are using credit products, and nearly half of them have no debt buildup; although there is a relatively rational consumption trend among the younger generation, which is drastically different from the label of “excessive squander” put on them by society, some young people indeed are involved in excessive consumption and consumption by following the trend, leading to excessive financial pressure and debt risks, and even resulting in increasing social problems; financial enterprises shall shoulder their social responsibilities and guide young consumers in a positive way.