{"id":1247,"date":"2026-11-09T10:57:54","date_gmt":"2026-11-09T10:57:54","guid":{"rendered":"https:\/\/vency.ir\/blog\/?p=1247"},"modified":"2026-11-09T10:57:54","modified_gmt":"2026-11-09T10:57:54","slug":"what-is-financial-literacy","status":"publish","type":"post","link":"https:\/\/vency.ir\/blog\/what-is-financial-literacy\/","title":{"rendered":"\u0633\u0648\u0627\u062f \u0645\u0627\u0644\u06cc \u0686\u06cc\u0633\u062a\u061f \u0631\u0627\u0647\u0646\u0645\u0627\u06cc \u0627\u0642\u062a\u0635\u0627\u062f \u0641\u0631\u062f\u06cc \u0648 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0633\u0631\u0645\u0627\u06cc\u0647"},"content":{"rendered":"<p><strong>\u0633\u0648\u0627\u062f \u0645\u0627\u0644\u06cc \u06cc\u0639\u0646\u06cc \u0628\u062a\u0648\u0627\u0646\u06cc\u062f \u062f\u0631\u0628\u0627\u0631\u0647 \u067e\u0648\u0644\u060c \u0647\u0632\u06cc\u0646\u0647\u060c \u0628\u062f\u0647\u06cc \u0648 \u0622\u06cc\u0646\u062f\u0647 \u0645\u0627\u0644\u06cc \u062e\u0648\u062f 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\u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0633\u0648\u0627\u062f \u0645\u0627\u0644\u06cc<\/h2>\n<p>\u062c\u062f\u0648\u0644 \u0632\u06cc\u0631 \u06cc\u06a9 \u0646\u0642\u0634\u0647 \u0622\u0645\u0648\u0632\u0634\u06cc \u0628\u0631\u0627\u06cc \u0632\u0646\u062f\u06af\u06cc \u0631\u0648\u0632\u0645\u0631\u0647 \u0627\u0633\u062a. \u0647\u0631 \u0628\u062e\u0634 \u0631\u0627 \u0628\u0647 \u06cc\u06a9 \u067e\u0631\u0633\u0634 \u0648 \u0627\u0642\u062f\u0627\u0645 \u0642\u0627\u0628\u0644 \u0627\u0646\u062c\u0627\u0645 \u062a\u0628\u062f\u06cc\u0644 \u06a9\u0646\u06cc\u062f\u061b \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0644\u0627\u0632\u0645 \u0646\u06cc\u0633\u062a \u0641\u0642\u0637 \u0628\u0647 \u0645\u0637\u0627\u0644\u0639\u0647 \u0646\u0638\u0631\u06cc \u0645\u062d\u062f\u0648\u062f \u0628\u0645\u0627\u0646\u062f.<\/p>\n<div class=\"wp-block-table\">\n<table>\n<caption>\u0627\u0632 \u0645\u0641\u0647\u0648\u0645 \u0645\u0627\u0644\u06cc \u062a\u0627 \u0627\u0642\u062f\u0627\u0645 \u0631\u0648\u0632\u0645\u0631\u0647<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">\u0628\u062e\u0634<\/th>\n<th scope=\"col\">\u067e\u0631\u0633\u0634\u06cc \u06a9\u0647 \u0628\u0627\u06cc\u062f \u067e\u0627\u0633\u062e \u062f\u0647\u06cc\u062f<\/th>\n<th scope=\"col\">\u0646\u0645\u0648\u0646\u0647 \u0627\u0642\u062f\u0627\u0645<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th scope=\"row\">\u062f\u0631\u0622\u0645\u062f<\/th>\n<td>\u0686\u0647 \u0645\u0628\u0644\u063a\u06cc \u0648\u0627\u0642\u0639\u0627\u064b \u0648 \u062f\u0631 \u0686\u0647 \u062a\u0627\u0631\u06cc\u062e\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u0645\u061f<\/td>\n<td>\u062b\u0628\u062a \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u062e\u0627\u0644\u0635 \u0648 \u062a\u0641\u06a9\u06cc\u06a9 \u062f\u0631\u0622\u0645\u062f \u062b\u0627\u0628\u062a \u0627\u0632 \u0646\u0627\u0645\u0646\u0638\u0645<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">\u0647\u0632\u06cc\u0646\u0647 \u0648 \u0628\u0648\u062f\u062c\u0647<\/th>\n<td>\u067e\u0648\u0644 \u06a9\u062c\u0627 \u0645\u0635\u0631\u0641 \u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u0686\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u06cc \u0627\u0648\u0644\u0648\u06cc\u062a \u062f\u0627\u0631\u062f\u061f<\/td>\n<td>\u062b\u0628\u062a \u0645\u062e\u0627\u0631\u062c \u0648 \u062a\u0639\u06cc\u06cc\u0646 \u0633\u0642\u0641 \u0645\u062a\u0646\u0627\u0633\u0628 \u0628\u0631\u0627\u06cc \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0642\u0627\u0628\u0644 \u062a\u063a\u06cc\u06cc\u0631<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">\u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0648 \u0647\u062f\u0641<\/th>\n<td>\u0628\u0631\u0627\u06cc \u0686\u0647 \u0632\u0645\u0627\u0646\u06cc \u0648 \u0686\u0647 \u0646\u06cc\u0627\u0632\u06cc \u067e\u0648\u0644 \u06a9\u0646\u0627\u0631 \u0645\u06cc\u200c\u06af\u0630\u0627\u0631\u0645\u061f<\/td>\n<td>\u062c\u062f\u0627\u06a9\u0631\u062f\u0646 \u0630\u062e\u06cc\u0631\u0647 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc \u0627\u0632 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u062e\u0631\u06cc\u062f \u0648 \u0647\u062f\u0641 \u0628\u0644\u0646\u062f\u0645\u062f\u062a<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">\u0628\u062f\u0647\u06cc \u0648 \u0642\u0631\u0627\u0631\u062f\u0627\u062f<\/th>\n<td>\u06a9\u0644 \u062a\u0639\u0647\u062f \u0686\u0642\u062f\u0631 \u0627\u0633\u062a \u0648 \u0622\u06cc\u0627 \u062a\u0648\u0627\u0646 \u067e\u0631\u062f\u0627\u062e\u062a \u0622\u0646 \u0631\u0627 \u062f\u0627\u0631\u0645\u061f<\/td>\n<td>\u0628\u0631\u0631\u0633\u06cc \u0627\u0642\u0633\u0627\u0637\u060c \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u060c \u0645\u0648\u0639\u062f\u0647\u0627 \u0648 \u067e\u06cc\u0627\u0645\u062f\u0647\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0646\u0634\u062f\u0646<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">\u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc<\/th>\n<td>\u0686\u0647 \u0631\u06cc\u0633\u06a9\u06cc \u0645\u06cc\u200c\u067e\u0630\u06cc\u0631\u0645 \u0648 \u0686\u0647 \u0632\u0645\u0627\u0646\u06cc \u0628\u0647 \u067e\u0648\u0644 \u0646\u06cc\u0627\u0632 \u062f\u0627\u0631\u0645\u061f<\/td>\n<td>\u0645\u0642\u0627\u06cc\u0633\u0647 \u0647\u0632\u06cc\u0646\u0647\u060c \u0646\u0642\u062f\u0634\u0648\u0646\u062f\u06af\u06cc \u0648 \u062a\u0646\u0627\u0633\u0628 \u062f\u0627\u0631\u0627\u06cc\u06cc \u0628\u0627 \u0647\u062f\u0641<\/td>\n<\/tr>\n<tr>\n<th scope=\"row\">\u062d\u0641\u0627\u0638\u062a \u0645\u0627\u0644\u06cc<\/th>\n<td>\u0686\u0647 \u0627\u062a\u0641\u0627\u0642\u06cc \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0631\u0646\u0627\u0645\u0647 \u0631\u0627 \u0645\u062e\u062a\u0644 \u06a9\u0646\u062f\u061f<\/td>\n<td>\u0628\u0631\u0631\u0633\u06cc \u067e\u0648\u0634\u0634 \u0628\u06cc\u0645\u0647\u060c \u0627\u0645\u0646\u06cc\u062a \u062d\u0633\u0627\u0628 \u0648 \u0646\u06af\u0647\u062f\u0627\u0631\u06cc \u0627\u0633\u0646\u0627\u062f<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2>\u0645\u0641\u0647\u0648\u0645\u200c\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u0628\u0627\u06cc\u062f \u0628\u062a\u0648\u0627\u0646\u06cc\u062f \u0628\u0627 \u0622\u0646\u200c\u0647\u0627 \u062d\u0633\u0627\u0628 \u06a9\u0646\u06cc\u062f<\/h2>\n<h3>\u062f\u0631\u0622\u0645\u062f \u0628\u0627 \u062b\u0631\u0648\u062a \u06cc\u06a9\u0633\u0627\u0646 \u0646\u06cc\u0633\u062a<\/h3>\n<p>\u062f\u0631\u0622\u0645\u062f\u060c \u067e\u0648\u0644\u06cc \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u06cc\u06a9 \u062f\u0648\u0631\u0647 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f. \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u062e\u0627\u0644\u0635 \u067e\u0633 \u0627\u0632 \u06a9\u0633\u0648\u0631\u0627\u062a \u0628\u0627 \u0645\u0628\u0644\u063a \u0646\u0627\u062e\u0627\u0644\u0635 \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u06cc\u0627 \u0641\u06cc\u0634 \u06cc\u06a9\u0633\u0627\u0646 \u0646\u06cc\u0633\u062a. \u0628\u0631\u0627\u06cc \u0628\u0648\u062f\u062c\u0647 \u0631\u0648\u0632\u0645\u0631\u0647\u060c \u0645\u0628\u0644\u063a \u0642\u0627\u0628\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0631\u0627 \u0645\u0628\u0646\u0627 \u0642\u0631\u0627\u0631 \u062f\u0647\u06cc\u062f. \u0645\u0627\u0644\u06cc\u0627\u062a\u060c \u062d\u0642 \u0628\u06cc\u0645\u0647 \u0648 \u0633\u0627\u06cc\u0631 \u06a9\u0633\u0648\u0631\u0627\u062a \u0641\u06cc\u0634 \u0631\u0627 \u0628\u0634\u0646\u0627\u0633\u06cc\u062f\u061b \u0628\u0631\u0627\u06cc \u062a\u0639\u0647\u062f\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u06cc \u0645\u0631\u062a\u0628\u0637 \u0628\u0627 \u0646\u0648\u0639 \u0641\u0639\u0627\u0644\u06cc\u062a \u062e\u0648\u062f\u060c 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\u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u062f. \u062f\u0631 \u06cc\u06a9 \u0628\u0631\u0622\u0648\u0631\u062f \u0633\u0627\u062f\u0647\u060c \u0627\u0631\u0632\u0634 \u062e\u0627\u0644\u0635 \u0628\u0631\u0627\u0628\u0631 \u0627\u0631\u0632\u0634 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627 \u0645\u0646\u0647\u0627\u06cc \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u0633\u062a. \u0627\u06af\u0631 \u062f\u0627\u0631\u0627\u06cc\u06cc \u0641\u0631\u0636\u06cc \u0634\u0645\u0627 \u06f2\u06f0\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0648 \u0628\u062f\u0647\u06cc \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647 \u06f1\u06f2\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0628\u0627\u0634\u062f\u060c \u0627\u0631\u0632\u0634 \u062e\u0627\u0644\u0635 \u06f8\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0639\u062f\u062f 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\u067e\u0627\u0633\u062e \u0628\u0647 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u0646\u0627\u062e\u0648\u0627\u0633\u062a\u0647 \u062f\u0631 \u0627\u062e\u062a\u06cc\u0627\u0631 \u062f\u06cc\u06af\u0631\u0627\u0646 \u0646\u06af\u0630\u0627\u0631\u06cc\u062f.<\/li>\n<li>\u062f\u0633\u062a\u0631\u0633\u06cc\u200c\u0647\u0627\u06cc \u06cc\u06a9 \u0628\u0631\u0646\u0627\u0645\u0647 \u0648 \u0634\u06cc\u0648\u0647 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0622\u0646 \u0627\u0632 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0631\u0627 \u067e\u06cc\u0634 \u0627\u0632 \u0646\u0635\u0628 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646\u06cc\u062f.<\/li>\n<li>\u0635\u0648\u0631\u062a\u200c\u062d\u0633\u0627\u0628\u200c\u0647\u0627 \u0648 \u0631\u0633\u06cc\u062f\u0647\u0627 \u0631\u0627 \u0645\u0631\u0648\u0631 \u06a9\u0646\u06cc\u062f \u0648 \u0645\u063a\u0627\u06cc\u0631\u062a \u0631\u0627 \u0627\u0632 \u0645\u0633\u06cc\u0631 \u0631\u0633\u0645\u06cc \u067e\u06cc\u06af\u06cc\u0631\u06cc \u06a9\u0646\u06cc\u062f.<\/li>\n<li>\u062f\u0631 \u0628\u0631\u0627\u0628\u0631 \u0641\u0634\u0627\u0631 \u0628\u0631\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a \u0641\u0648\u0631\u06cc \u06cc\u0627 \u0648\u0639\u062f\u0647 \u0628\u0627\u0632\u062f\u0647 \u0646\u0627\u0645\u0639\u0645\u0648\u0644\u060c \u0641\u0631\u0635\u062a \u0628\u0631\u0631\u0633\u06cc \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u0648 \u0627\u0645\u06a9\u0627\u0646 \u0628\u0631\u062f\u0627\u0634\u062a \u0631\u0627 \u062d\u0641\u0638 \u06a9\u0646\u06cc\u062f.<\/li>\n<\/ul>\n<p>\u0628\u0631\u0627\u06cc \u0627\u0646\u062a\u062e\u0627\u0628 \u0622\u0645\u0648\u0632\u0634 \u06cc\u0627 \u0645\u0634\u0627\u0648\u0631 \u0646\u06cc\u0632 \u0645\u0648\u0636\u0648\u0639 \u062a\u062e\u0635\u0635\u060c \u0633\u0627\u0628\u0642\u0647 \u0642\u0627\u0628\u0644 \u0628\u0631\u0631\u0633\u06cc\u060c \u0631\u0648\u0634 \u062f\u0631\u06cc\u0627\u0641\u062a \u062f\u0633\u062a\u0645\u0632\u062f \u0648 \u0645\u0646\u0641\u0639\u062a \u0627\u062d\u062a\u0645\u0627\u0644\u06cc \u0627\u0632 \u0641\u0631\u0648\u0634 \u0645\u062d\u0635\u0648\u0644 \u0631\u0627 \u0628\u067e\u0631\u0633\u06cc\u062f. \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0631\u0627\u06cc\u06af\u0627\u0646 \u0627\u0632 \u0645\u0646\u0628\u0639 \u0631\u0648\u0634\u0646 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0646\u0642\u0637\u0647 \u0634\u0631\u0648\u0639 \u0628\u0627\u0634\u062f\u061b \u0647\u0632\u06cc\u0646\u0647 \u0628\u0627\u0644\u0627\u06cc \u06cc\u06a9 \u062f\u0648\u0631\u0647 \u06cc\u0627 \u062a\u0639\u062f\u0627\u062f \u062f\u0646\u0628\u0627\u0644\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646\u060c \u0628\u0647\u200c\u062a\u0646\u0647\u0627\u06cc\u06cc \u0627\u0639\u062a\u0628\u0627\u0631 \u0645\u062d\u062a\u0648\u0627\u06cc \u0622\u0646 \u0631\u0627 \u062b\u0627\u0628\u062a 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