英國

67%($67)

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以67%排全球第六，憑藉免稅股票 ISA 帳戶、職場退休金自動加入制度及極小的貧富理財差距脫穎而出。

英國成人金融素養達67%，居歐洲五大經濟體之首，受惠於每年20,000英鎊免稅個人儲蓄及投資帳戶（ISA）、FCA 消費者保障準則及法定中學理財教育。

About United Kingdom

The United Kingdom of Great Britain and Northern Ireland, commonly known as the United Kingdom (UK) or Britain, is a country in Northwestern Europe, off the coast of the continental mainland. It comprises England, Scotland, Wales and Northern Ireland, with a population of over 69 million in 2025. The UK includes the island of Great Britain, the north-eastern part of the island of Ireland, and most of the smaller islands within the British Isles, covering 94,354 square miles (244,376 km2). It…

英國成人金融素養達67%，居歐洲五大經濟體之首，受惠於每年20,000英鎊免稅個人儲蓄及投資帳戶（ISA）、FCA 消費者保障準則及法定中學理財教育。

Key Benchmarks & Specifications

成人金融素養率

67%. 全球排名全球第6位（67%）. 校園理財教育 2014年起納入全國中學數學與公民科必修. 央行與監管機構 Bank of England

FCA & MoneyHelper. 退休金與儲蓄制度職場退休金自動加入機制及每年2萬英鎊免稅 ISA

Editorial Strengths & Watchouts

Pros

67%領先德國（66%）、法國（52%）及意大利（37%）等歐洲大國
Stocks & Shares ISA 免稅投資額度普及個人指數基金投資

Cons

自僱人士合格率（57%）明顯低於受薪僱員（71%）
2至5年短期定息按揭結構需要業主頻繁管理續期利率風險

Eligibility & Access

免稅個人投資帳戶（ISA）與職場自動加入退休金制度設計

Key Caveats to Verify

短期定息按揭到期重訂時容易受英倫銀行利率週期影響

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英國