雅思写作全真模拟 Task 2 · 财商教育（Opinion · 范文+拆解）
Opinion（Agree/Disagree）题型：必须明确表态，全文围绕立场展开。本题讨论学校是否应教理财。
题目 Task
Some people believe that schools should teach children how to manage money, while others argue that this is the responsibility of parents.
To what extent do you agree or disagree?
Give reasons for your answer and include any relevant examples from your own knowledge or experience.
Write at least 250 words.
审题要点
| 考点 | 说明 |
|---|---|
| 题型 | Agree/Disagree——必须明确表态，不能两边都说完不选边 |
| 关键词 | "schools should teach" vs "responsibility of parents"——核心是"谁来教" |
| 立场 | 本文立场：学校应该教，因为家庭环境差异大、学校有系统课程 |
| 陷阱 | 不要只说"理财很重要"，要论证"为什么学校比家庭更合适" |
范文（约 310 词）
Whether financial literacy should be taught in schools or left to parents is a matter of debate. While family plays an obvious role in shaping children's attitudes towards money, I strongly believe that schools have a vital and irreplaceable role to play.
The primary argument for teaching money management at school is that not all parents are equipped to do so well. Children from disadvantaged backgrounds may grow up in households where budgeting is poorly handled, and they may never receive any formal guidance on saving, investing or avoiding debt. Schools, by contrast, provide a universal and neutral curriculum that reaches every child, regardless of their family's financial knowledge or habits. A structured course on budgeting, interest rates and consumer awareness can equip young people with practical skills they will use for the rest of their lives.
Furthermore, schools are better positioned to deliver this knowledge in a systematic and age-appropriate way. While parents may offer scattered advice, teachers can design progressive programmes that build from simple concepts — such as the difference between needs and wants — to more complex topics like mortgages, taxes and credit scores. This structured approach ensures that students gain a coherent understanding rather than a haphazard set of tips.
Admittedly, parents remain the most powerful influence on their children's relationship with money. Children learn spending habits largely by watching their parents. However, this is precisely why school-based education matters: it provides a safety net for those whose home environment does not teach sound financial habits.
In conclusion, while parents should continue to model responsible financial behaviour, schools must take responsibility for teaching the formal mechanics of money management. Leaving it entirely to families risks leaving the most vulnerable children behind.
逐段拆解
| 段落 | 功能 | 高分手法 |
|---|---|---|
| Introduction | 改写题目+立场 | "strongly believe" 明确表态；"irreplaceable role" 暗示学校不可替代 |
| Body 1 | 为什么学校教 | 核心论证：家庭差异大→学校 universal/neutral；disadvantaged backgrounds |
| Body 2 | 系统性教学 | 对比：parents scattered advice vs teachers progressive curriculum；needs vs wants → mortgages/taxes 举例 |
| Body 3 | 让步+反驳 | "Admittedly" 承认父母影响大；"precisely why… matters" 转折——正因如此学校更重要 |
| Conclusion | 重申立场 | "while parents… schools must…" 平衡但立场清晰 |
高分词汇
- financial literacy（财商）
- irreplaceable / vital（不可替代的）
- equipped to do so（有能力做）
- disadvantaged backgrounds（弱势背景）
- progressive programme（渐进式课程）
- haphazard（零散随意的）
- safety net（安全网）
- vulnerable（脆弱的）
No comments yet.