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คู่มือเรียนรู้การเงินด้วยตนเอง
1.
ÃǺÃÇÁ/àÃÕºàÃÕ§ â´Â ´Ã.¡ÔµµÔªÑÂ
¹Çŷͧ Ph.D - Development Administration (Business Administration (Financial)) D.B.A – Marketing (Doctor of Business Administration (Marketing)) ¤Ù!Á×ÍàÃÕ¹ÃÙ"¡ÒÃà§Ô¹´"ǵ¹àͧ »ÃÐà´ç¹·ÕèÂÒ¡àËç¹à»#¹àÃ×èͧ§!Ò ¨´¨íÒä´" ãª"à»#¹á¹Ç·Ò§ÍÂ!Ò§à¢"Ò㨠11 ÃÙ"·Ò§¡ÒÃà§Ô¹-·íÒãË"ÃÙ"¨Ñ¡ãª"ªÕÇÔµ-ÃÙ"¤Ô´ÊÃ"Ò§ÃÒÂä´"-ÃÙ"¨Ñ¡¢ÂÒ·ع-ÃÙ"¼ÅµÍºá·¹ – ÃÙ"¡ÒúÃÔËÒèѴ¡ÒÃ˹Õé 11 ÃÙé ·Ò§¡ÒÃà§Ô¹ - ÃÙ"¡ÒúÃÔËÒèѴ¡ÒÃ˹Õé
2.
คํานํา คูมือการเรียนรูการเงินดวยตนเองสําหรับประชาชนทั่วไปฉบับกะทัดรัดนี้จัดทําขึ้น เพื่อใชประกอบการฝ(กอบรมในหัวขอ “การฝ(กอบรมเพื่อสรางวิทยากรตัวคูณดานการให ความรูทางการเงินสําหรับกลุมอาชีพอิสระรายไดนอย” จัดโดยสํานักงานเศรษฐกิจการ คลัง
(สศค.) รวมกับ มูลนิธิสถาบันวิจัยนโยบายเศรษฐกิจการคลัง (มูลนิธิ สวค.) ในวันที่ 28 และ 30 เมษายน 2558 ภายใตโครงการการใหความรูและสรางวินัยทางการเงินของ คนไทย เพื่อสนับสนุนการดําเนินงานของคณะกรรมการการใหความรูทางการเงินของ ประเทศไทย ที่ประกอบไปดวยสถาบัน/องค?กรที่เกี่ยวของกับการใหความรูทางการเงิน ประเทศไทย ที่พยายามผลักดันและยกระดับประเด็นเรื่องความรูทางการเงินเปBนเรื่องที่ มีความสําคัญอยางยิ่งแกสังคมไทย กลุมเปDาหมายของการฝ(กอบรมในครั้งนี้ คือ กลุมผูนํา ผูรณรงค?และผูใหความรู ทางการเงิน ที่จะนําไปอบรมตอ (Training the trainer) เพื่อใหเกิดประสิทธิภาพในการ เรียนรู การเขาใจในการสื่อสารกับกลุมอาชีพอิสระรายไดนอย รวมถึงรวมแบงปNน ประสบการณ?ในดานเทคนิคและวิธีการตาง ๆ ที่เหมาะสมใหผูเขารับการอบรมสามารถนํา ความรูทางการเงินพื้นฐานไปถายทอดไดอยางมีประสิทธิภาพตอไป อนึ่ง คณะผูจัดทํา ขอขอบพระคุณอาจารย? ดร. กิตติชัย นวลทอง ผูชวยผูอํานวยการศูนย?วิจัย ธนาคารเพื่อ การเกษตรและสหกรณ?การเกษตร (ธ.ก.ส.) ที่ไดกรุณาใหเกียรติมาเปBนวิทยากรใหความรูแก ผูเขารวมอบรมในครั้งนี้ พรอมทั้งเรียบเรียงและรวมรวมความรูและประสบการณ?ที่ เกี่ยวของเพื่อนํามาจัดทําคูมือฉบับนี้ไว ณ ที่นี้ดวย คณะผูจัดทํา สํานักงานเศรษฐกิจการคลัง (สศค.) มูลนิธิสถาบันวิจัยนโยบายเศรษฐกิจการคลัง (สวค.)
3.
˹"Ò 2 ¤Ù!Á×Í¡ÒÃãË"¤ÇÒÁÃÙ"·Ò§¡ÒÃà§Ô¹ ÊíÒËÃѺ»ÃЪҪ¹·ÑèÇä»
â´Â ´Ã.¡ÔµµÔªÑ ¹Çŷͧ (Ph.D financial, D.B.A. Marketing) ÊÒúÑ- à¹×éÍËÒ – 11 ÃÙ"·Ò§¡ÒÃà§Ô¹ ÊíÒËÃѺºØ¤¤Å·ÑèÇä» Ë¹"Ò ¤ÇÒÁà»#¹ÁÒáÅФÇÒÁÊíÒ¤Ñ- 3 1 ÃÙ"µ¹àͧ – ÃÙ!¨Ñ¡¡ÒÃÇÔà¤ÃÒÐË"°Ò¹Ðµ¹àͧáÅФÃͺ¤ÃÑÇ 4 2 ÃÙ"˹·Ò§ – ÃÙ!¤íÒ¾#ÍÊ͹ µÒÁËÅÑ¡»ÃѪ-ÒàÈÃÉ°¡Ô¨¾Íà¾Õ§ 8 3 ÃÙ"ÊÃ"Ò§ÍÒªÕ¾ – ÃÙ!¨Ñ¡ÇÔà¤ÃÒÐË"á¹Ç¤Ô´¡ÒÃÊÃ!Ò§§Ò¹ÊÃ!Ò§ÍÒªÕ¾ 18 4 ÃÙ"Í´·¹ – ÃÙ!¨Ñ¡Í´·¹ Í´¡ÅÑé¹ Í´ã¨ äÁ#ËŧÁÑÇàÁÒ¤ÇÒÁ¿Ø$Áà¿%Í 14 5 ÃÙ"¡ÒÃÍÍÁ – ÃÙ!¨Ñ¡à¡çºÍÍÁ¡#͹¡Òè#ÒÂÍÍ¡ ¡Òäíҹdz´Í¡àºÕé 16 6 ÃÙ"ÃѺ-ÃÙ"¨!Ò– ÃÙ!¨Ñ¡¨´ºÑ¹·Ö¡ÃѺ-¨#Ò à¾×èÍãª!ÇҧἹ·Ò§¡ÒÃà§Ô¹ 23 7 ÃÙ"ÊÃ"Ò§ÃÒÂä´" – ÃÙ!¨Ñ¡ ËÅÑ¡ “5¤Ô´” ¾ÔªÔµ¤ÇÒÁ¾Íà¾Õ§ 29 8 ÃÙ"¨Ñ¡¢ÂÒ·ع – ÃÙ!¨Ñ¡á¹Ç¤Ô´ ·ÄɮաÒÃŧ·Ø¹áººªÒǺ!Ò¹ 32 9 ÃÙ"¼ÅµÍºá·¹ – ÃÙ!¨Ñ¡¼ÅµÍºá·¹·Õèà¡Ô´¢Ö鹨ҡ¡ÒÃŧ·Ø¹–¢ÂÒ·ع 35 10 ÃÙ"¡ÒÃáº!§»$¹ – ÃÙ!¨Ñ¡¡ÒÃáº#§»&¹º¹¾×é¹°Ò¹á¹Ç¤Ô´àÈÃÉ°¡Ô¨¾Íà¾Õ§ 37 11 ÃÙ"¡ÒúÃÔËÒèѴ¡ÒÃ˹Õé – ÃÙ!á¹Ç¤Ô´ “4˹Ք – “4ÁÕ” á¡!˹Õéä´! - ÊÔ觵!ͧÃÙ!¡#͹¡Ù!à§Ô¹ – “6ÃÙ!” ¡"͹¡Ù!à§Ô¹ Í"Ò§ÍÔ§·ÕèÁÒ¢!ÍÁÙÅáÅÐÀÒ¾»ÃСͺ 45 50
4.
˹"Ò 3 ¤Ù!Á×Í¡ÒÃãË"¤ÇÒÁÃÙ"·Ò§¡ÒÃà§Ô¹ ÊíÒËÃѺ»ÃЪҪ¹·ÑèÇä»
â´Â ´Ã.¡ÔµµÔªÑ ¹Çŷͧ (Ph.D financial, D.B.A. Marketing) ¨Ò¡ÃÒ§ҹ¼ÅÊíÒÃǨ·Ñ¡ÉФÇÒÁÃÙ!·Ò§¡ÒÃà§Ô¹¢Í§¸¹Ò¤ÒÃáË#§»ÃÐà·È ä·Â (¸»·.) ã¹»' 2556 ·Õè¼#Ò¹ÁÒ à¾×è͵ԴµÒÁÃдѺ¤ÇÒÁÃÙ! ¾ÄµÔ¡ÃÃÁ áÅÐ ·Ñȹ¤µÔ·Ò§¡ÒÃà§Ô¹¢Í§¤¹ä·Â à¾×èÍãª!à»*¹¢!ÍÁÙÅʹѺʹع¡ÒáíÒ˹´¡ÅÂØ·¸" áÅШѴÅíҴѺ¤ÇÒÁÊíÒ¤Ñ-㹡ÒÃÊ#§àÊÃÔÁ·Ñ¡Éзҧ¡ÒÃà§Ô¹·ÕèàËÁÒÐÊÁ â´Â¡Òà ÊíÒÃǨ¤Ãͺ¤ÅØÁ¡ÒÃÇÑ´ 3 ´!Ò¹ËÅÑ¡¤×Í ¤ÇÒÁÃÙ!·Ò§¡ÒÃà§Ô¹, ¾ÄµÔ¡ÃÃÁ·Ò§ ¡ÒÃà§Ô¹ áÅзÑȹ¤µÔ·Ò§¡ÒÃà§Ô¹ ¨Ò¡ºØ¤¤Å·ÕèÁÕÍÒÂصÑé§áµ#15-89 »' ¤ÇÒÁÃÙ!ÃдѺ ÁѸÂÁÈÖ¡ÉÒ¢Öé¹ä» ÃÒÂä´!µÑé§áµ# 7,800-52,000 ºÒ·µ#Íà´×͹ ¾ºÇ#Ò ÃдѺ ¤Ðá¹¹·Ñ¡Éзҧ¡ÒÃà§Ô¹¢Í§¤¹ä·Âä´!¤#Òà©ÅÕè 12.9 ¤Ðá¹¹ ËÃ×Í 58.5+ ¢Í§ ¤Ðá¹¹àµçÁ 22 ¤Ðá¹¹ àÁ×èÍà·Õº¡Ñº¤Ðá¹¹à©ÅÕè¢ͧ 14 »ÃÐà·È·ÕèÃ#ÇÁ â¤Ã§¡ÒÃÊíÒÃǨ·Ñ¡Éзҧ¡ÒÃà§Ô¹¡Ñº OECD ¾ºÇ"Ò ¤Ðá¹¹¢Í§¤¹ä·ÂµèíÒ¡Ç"Ò ¤"Òà©ÅÕè»ÃÐà·È·Õèà¢!ÒÃ"ÇÁâ¤Ã§¡Ò÷Ñé§ËÁ´ «Öè§ÁÕ¤#Òà©ÅÕèÂÍÂÙ#·Õè 13.7 ¤Ðá¹¹ àÁ×èÍà»ÃÕºà·Õº¤Ðṹͧ¤"»ÃСͺ·Ñé§ 3 ´!Ò¹ ¶×ÍÇ#Ò¤¹ä·ÂÂѧÍÂÙ#ã¹ÃдѺ´!Í ´!Ò¹¤ÇÒÁÃÙ!·Ò§¡ÒÃà§Ô¹ â´ÂÁÕ¤Ðá¹¹à©ÅÕè 46.8+ äÁ#¶Ö§¤ÃÖè§Ë¹Ö觢ͧ¤Ðá¹¹àµçÁ 8 áÅÐÁÕ¤¹ä·ÂÁÒ¡¡Ç#Ò 30+ ·ÕèÁÕ¤Ðá¹¹¤ÇÒÁÃÙ!·Ò§¡ÒÃà§Ô¹ÍÂÙ#ã¹à¡³±"µèíÒ ¢³Ð·Õè¤Ðá¹¹à©ÅÕè´!Ò¹¾ÄµÔ¡ÃÃÁ·Ò§¡ÒÃà§Ô¹ áÅзÑȹ¤µÔ·Ò§¡ÒÃà§Ô¹ÍÂÙ#㹠ࡳ±"¤#͹¢!Ò§´Õ ´!Ò¹¾ÄµÔ¡ÃÃÁ·Ò§¡ÒÃà§Ô¹·íÒ¤Ðá¹¹ä´! 65.6+ áÅзÑȹ¤µÔ ·Ò§¡ÒÃà§Ô¹ä´! 64.5+ ¢Í§¤Ðá¹¹àµçÁ ¹Í¡¨Ò¡¹Õé ¾ºÇ#Һؤ¤Å·ÕèÁÕÃдѺ¡ÒÃÈÖ¡ÉÒáÅÐÃÒÂä´!·ÕèµèíÒ¨ÐÁÕ¤Ðá¹¹ ·Ñ¡Éзҧ¡ÒÃà§Ô¹µèíÒ¡Ç#Ò¡ÅØ#ÁÍ×è¹æ «Ö觡ÒÃãË!¤ÇÒÁÃÙ!·Ò§¡ÒÃà§Ô¹¨Ðª#Ç»ÃѺãË! ºØ¤¤ÅÁվĵԡÃÃÁ·Ò§¡ÒÃà§Ô¹·Õè´Õ¢Öé¹ä´! ·Ñ駹Õé ¤ÇÒÁÃÙ!·Ò§¡ÒÃà§Ô¹·Õ褹ä·ÂÂѧäÁ# à¢!Òã¨ÍÂ#Ò§¶#ͧá·!¤×Í ¡Òäíҹdz´Í¡àºÕé¢ͧÊÔ¹àª×èÍ áÅСÒäíҹdz ´Í¡àºÕé·ºµ"¹¢Í§à§Ô¹½Ò¡ äÁ#à¢!Ò㨹âºÒ¤Ø!Á¤Ãͧà§Ô¹½Ò¡áÅФÇÒÁà¢!Ò㨶֧ ÁÙŤ#Ңͧà§Ô¹µÒÁ¡ÒÅàÇÅÒ ¢³Ð·Õè ´"Ò¹¾ÄµÔ¡ÃÃÁ·Ò§¡ÒÃà§Ô¹ ·Õ褹ä·ÂÊ#ǹ ˹Öè§Âѧ»¯ÔºÑµÔä´!äÁ#àËÁÒÐÊÁ ¤×Í ¡ÒèѴ·íÒºÑ-ªÕÃÒÂÃѺ-ÃÒ¨"Ò ¡Òà à»ÃÕºà·Õº¢!ÍÁÙÅ¡"͹µÑ´ÊԹ㨫×éͼÅÔµÀѳ±# áÅÐ ¡ÒÃäÁ!¡Ù"Â×ÁËÒ¡ÃÒÂÃѺ äÁ!à¾Õ§¾Í ËÒ¡¾Ô¨ÒóÒÃдѺÀÒ¤áÅШѧËÇÑ´ ¾ºÇ#Ò »ÃЪҪ¹ÀÒ¤ µÐÇѹÍÍ¡à©Õ§à˹×ÍÁÕ¤Ðá¹¹·Ñ¡Éзҧ¡ÒÃà§Ô¹µèíÒ·ÕèÊØ´ ¤ÇÒÁà»#¹ÁÒáÅФÇÒÁÊíÒ¤Ñ-
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28.
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