填空题
【案例分析题】（改错题）Individuals are increasingly being asked to take on sole responsibility—and assume the burden of risk—for complex savings tasks which were previously at most shared with governments or 1 employees, such as investing for a pension or for higher education 2 for their children. So how can individual workers or parents expected to weigh the risks and make responsible choices in an ever 3 more sophisticated financial market This is true even in countries where consumers generally are familiar of finance instruments such 4 as credit cards, mortgage loans and perhaps private saving to "top up" company pension plans. It is all the more difficult in emerging economies whose rapid development has given access to financial services to the large number of consumers, many of whom have only 5 a limited experience with formal financial systems. For emerging economies, financially educated consumers can help ensure what the 6 financial sector makes an effective contribution to real economic growth and poverty reduce. But financial literacy is also crucial for 7 more developed economies, to help ensure consumers save enough to provide an adequate income in retirement while in avoiding high 8 levels of debt that might result in bankruptcy and foreclosures.The information available on consumer financial literacy is worried for two reasons—not only do individuals generally lack an 9 adequate financial background or understanding to navigate today"s complex market, but unfortunately they also generally believe thatthey are far more financial literate than is really the case. This has 10 become a cause for increasing concern for governments.改错项10（）
