总体上，我国居民在金融消费层面上的表现较好，但在金融行为和技能的不同方面体现出较大的差异性，还需要进一步提升基础金融知识水平。
Generally speaking, citizens in our country have good performance on financial consumption; however, there are big differences in various aspects of financial behaviors and skills, and further improvement of popularization of basic financial knowledge shall be made.