新航道上海學校 雅思頻道小編第一時間帶來分享每次雅思考試大作文范文及解析，希望對各位備考考生們有所幫助，對雅思寫作有所提高!本文是2021年1月16日雅思大作文范文及解析：學生不懂理財的原因和解決方案。

  2021年1月16日雅思大作文題目

  In many countries students who leave high school have no understanding of how to manage their money.

  What do you think are the reasons? What can be done to improve this important skill?

  本周考官給了一道新題，針對這類說明類文章，考生不需要對“學生不懂理財”這個現象表態，只需要客觀地分析原因及措施。

  高分范文及解析

  01

  Is it a necessary skill that high school graduates understand how to manage their money? Although the answer is definitely “Yes”, few of them have mastered the skill. This happens for a couple of reasons; luckily, it is manageable.

  解析

  ★ 解析：自問自答，直截了當地開頭

  ★ manageable: possible to deal with or control

  02

  The first reason behind this undesirable situation is that there is no relevant curriculum(課程)provided in the school. It is not the schools to blame. As a matter of fact, worldwide, the conventional wisdom(世俗認知) is that high schoolers should focus more on core subjects like Math or History, and because of this, fundamental money lessons, including how to budget(做預算) and where to put their money: bank deposit or the stock market(銀行存款或股票市場), are overlooked(忽視 vt.). The children’s inability in money-managing is also due to the lack of parental guidance. Most of the parents themselves are unqualified to lecture(講授 vi.) on topics like risk management(風險管理). Even though they are professionally trained, they dare not to give a large sum of money to their children for investment practice; instead, they would rather give a limited sum of pocket money.

  解析

  ★ 解析：從不同角度(學校、老師、家庭、父母、學生自己等)分析原因

  ★ 原因1：在學校，普遍不重視理財課

  ★ 原因2：在家里，沒有機會練手

  03

  To change this, the first solution, in response to the first reason identified above, is to add the financial literacy class(金融知識課)as a compulsory lesson(必修課). Such a class should provide a real-world simulation(模擬) and personal-finance competitions (個人理財競賽), encouraging schoolers to manipulate(操控 vt.)the virtual currency (虛擬貨幣) to complete transactions or investments(交易或投資). Another solution, to the second reason above, is for parents to give their children more freedom. This means children are allowed to participate in the management of household finances, for example, taking on student-loan debt before entering in university.

  解析

  ★ 解析：從不同角度(學校、老師、家庭、父母、學生自己等)分析應對措施

  ★ 措施1：必修金融知識課(理財模擬、理財競賽)

  ★ 措施2：參與家庭財務管理(學生貸款)

  04

  In conclusion, since the large number of high schoolers are unable to manage their money, it is imperative to figure out feasible ways according to the reasons behind. If schools and parents alike make changes, I believe that the young would avoid making financial mistakes in the real world.