近年來，隨著社會經(jīng)濟的不斷發(fā)展和金融市場的日益繁榮，未成年人參與金融活動的現(xiàn)象越來越引起人們的關注。據(jù)統(tǒng)計數(shù)據(jù)顯示，未成年人在銀行、證券、保險等領域開戶數(shù)量呈逐年增長之勢。然而，在這一過程中所存在的風險和問題也日益凸顯。

首先, 未成年人由于缺乏必要的金融知識和理性思維能力，在進行投資決策時容易受到外部信息或者同齡人影響導致做出錯誤選擇。許多青少年在沒有父母監(jiān)管下就輕率地進行股票交易或購買高風險理財產(chǎn)品，甚至有些被騙進傳銷組織從而造成嚴重損失。

其次, 在網(wǎng)絡時代背景下, 互聯(lián)網(wǎng)平臺上大量虛假宣傳以及無法有效限制未成年用戶接觸非法內(nèi)容給他們帶來了極大危害。 許多游戲應用內(nèi)置消費系統(tǒng)使得孩子們產(chǎn)生花錢消費欲望; 雖然政府對此類行為已有相關規(guī)定但并不能完全杜絕該現(xiàn)象.

再者, 家長教育方面也是一個很大挑戰(zhàn). 很多家長忽視對孩子談論金錢管理等話題，并且自己也可能是不良示范；同時還有一些家長把兒童作為賺取額外收入來源通過將自己身份證借給別處小號注冊賬戶去套利違反國家相關法律條款.

除此之外，“低齡化”投資團隊更加頻繁涌現(xiàn)。“00后”的天才少女成功打新IPO圈粉眾生即便因學業(yè)壓力放棄A股“明星基金經(jīng)理”，12歲男孩暑期實踐只需5萬元啟動私募基金…… 這種情形看似耐人尋味實則值得警惕

當前我國尚無專門立法約束個體特殊群體如何使用各項電子支付工具（含手機軟件）直接付款購物/充值）。可以預見如果僅僅依靠公安機關治安派出所民警查找調解處理案件那么效果微乎其微。

針對以上問題需要采取相應措施：第一 ，建議加強校園普及財商教育推廣落地提供優(yōu)秀資源； 第二 ，建議設立專門機構審查審核線上產(chǎn)品是否符合防沉迷標準 ; 最后 , 建議完善相應司法程序確保每位用戶權益都得到最好保障 。

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