# FinComp 2022-2023

> European Union / OECD-INFE, 2022. Consultazione interattiva dei quadri europei delle competenze finanziarie per adulti, bambini e giovani, pubblicati dalla Commissione Europea e dall'OCSE/INFE.

Canonical page: https://explorerhub.eu/it/framework/fincomp
Available in: en, it, es, fr

## Provenance
- Rights: © European Union / OECD (the source grants no reuse licence)
- Source document: https://finance.ec.europa.eu/publications/commission-and-oecd-infe-publish-joint-framework-adults-improve-individuals-financial-skills_en
- Publisher: European Union / OECD
- Cite as: European Union/OECD (2022), Financial competence framework for adults in the European Union; European Union/OECD (2023), Financial competence framework for children and youth in the European Union
- Attribution and licence terms: https://explorerhub.eu/en/legal/attribution

## Adulti

### Areas (4)

- `1` [Denaro e transazioni](https://explorerhub.eu/it/framework/fincomp/areas/1?audience=adults)
- `2` [Pianificazione e gestione finanziarie](https://explorerhub.eu/it/framework/fincomp/areas/2?audience=adults)
- `3` [Rischio e rendimento](https://explorerhub.eu/it/framework/fincomp/areas/3?audience=adults)
- `4` [Panorama finanziario](https://explorerhub.eu/it/framework/fincomp/areas/4?audience=adults)

### Competences (82)

- `1.1.1` [Forme e uso del denaro](https://explorerhub.eu/it/framework/fincomp/competences/1-1-1?audience=adults)
- `1.1.2` [Banconote e monete](https://explorerhub.eu/it/framework/fincomp/competences/1-1-2?audience=adults)
- `1.1.3` [Cambio](https://explorerhub.eu/it/framework/fincomp/competences/1-1-3?audience=adults)
- `1.2.1` [Fonti di reddito](https://explorerhub.eu/it/framework/fincomp/competences/1-2-1?audience=adults)
- `1.2.2` [Fogli paga e dichiarazioni fiscali](https://explorerhub.eu/it/framework/fincomp/competences/1-2-2?audience=adults)
- `1.2.3` [Fabbisogno di reddito](https://explorerhub.eu/it/framework/fincomp/competences/1-2-3?audience=adults)
- `1.2.4` [Impatto del percorso professionale sul reddito](https://explorerhub.eu/it/framework/fincomp/competences/1-2-4?audience=adults)
- `1.3.1` [Prezzi](https://explorerhub.eu/it/framework/fincomp/competences/1-3-1?audience=adults)
- `1.3.2` [Confronto tra i prezzi](https://explorerhub.eu/it/framework/fincomp/competences/1-3-2?audience=adults)
- `1.3.3` [Acquisti](https://explorerhub.eu/it/framework/fincomp/competences/1-3-3?audience=adults)
- `1.3.4` [Modalità di pagamento e trasferimento di denaro](https://explorerhub.eu/it/framework/fincomp/competences/1-3-4?audience=adults)
- `1.3.5` [Verifica e monitoraggio dei pagamenti e degli acquisti](https://explorerhub.eu/it/framework/fincomp/competences/1-3-5?audience=adults)
- `1.3.6` [Implicazioni degli acquisti](https://explorerhub.eu/it/framework/fincomp/competences/1-3-6?audience=adults)
- `1.3.7` [Aspetti relativi alla sostenibilità dei prezzi e degli acquisti](https://explorerhub.eu/it/framework/fincomp/competences/1-3-7?audience=adults)
- `1.4.1` [Comprensione e firma dei contratti](https://explorerhub.eu/it/framework/fincomp/competences/1-4-1?audience=adults)
- `1.4.2` [Documenti finanziari](https://explorerhub.eu/it/framework/fincomp/competences/1-4-2?audience=adults)
- `2.1.1` [Controllo delle entrate e delle uscite](https://explorerhub.eu/it/framework/fincomp/competences/2-1-1?audience=adults)
- `2.1.2` [Compilazione di un bilancio](https://explorerhub.eu/it/framework/fincomp/competences/2-1-2?audience=adults)
- `2.2.1` [Elementi di base della gestione delle entrate e delle uscite](https://explorerhub.eu/it/framework/fincomp/competences/2-2-1?audience=adults)
- `2.2.2` [Gestione delle entrate e delle uscite irregolari e impreviste](https://explorerhub.eu/it/framework/fincomp/competences/2-2-2?audience=adults)
- `2.3.1` [Obiettivi e priorità in materia di risparmio](https://explorerhub.eu/it/framework/fincomp/competences/2-3-1?audience=adults)
- `2.3.2` [Riserve di risparmi](https://explorerhub.eu/it/framework/fincomp/competences/2-3-2?audience=adults)
- `2.3.3` [Tassi di interesse](https://explorerhub.eu/it/framework/fincomp/competences/2-3-3?audience=adults)
- `2.3.4` [Scelta dei prodotti di risparmio](https://explorerhub.eu/it/framework/fincomp/competences/2-3-4?audience=adults)
- `2.3.5` [Gestione dei risparmi](https://explorerhub.eu/it/framework/fincomp/competences/2-3-5?audience=adults)
- `2.4.1` [Elementi di base dell'investimento](https://explorerhub.eu/it/framework/fincomp/competences/2-4-1?audience=adults)
- `2.4.2` [Prezzi delle azioni e dei fondi](https://explorerhub.eu/it/framework/fincomp/competences/2-4-2?audience=adults)
- `2.4.3` [Scelta e diversificazione degli investimenti](https://explorerhub.eu/it/framework/fincomp/competences/2-4-3?audience=adults)
- `2.4.4` [Cripto-attività e relativi sviluppi digitali](https://explorerhub.eu/it/framework/fincomp/competences/2-4-4?audience=adults)
- `2.4.5` [Diritti degli azionisti](https://explorerhub.eu/it/framework/fincomp/competences/2-4-5?audience=adults)
- `2.4.6` [Investimento sostenibile](https://explorerhub.eu/it/framework/fincomp/competences/2-4-6?audience=adults)
- `2.4.7` [Prodotti di base](https://explorerhub.eu/it/framework/fincomp/competences/2-4-7?audience=adults)
- `2.4.8` [Fattori che influenzano le decisioni di investimento](https://explorerhub.eu/it/framework/fincomp/competences/2-4-8?audience=adults)
- `2.5.1` [Elementi di base della pianificazione a lungo termine](https://explorerhub.eu/it/framework/fincomp/competences/2-5-1?audience=adults)
- `2.6.1` [Elementi di base della pianificazione pensionistica](https://explorerhub.eu/it/framework/fincomp/competences/2-6-1?audience=adults)
- `2.6.2` [Categorie di prodotti pensionistici](https://explorerhub.eu/it/framework/fincomp/competences/2-6-2?audience=adults)
- `2.6.3` [Gestione dei prodotti pensionistici](https://explorerhub.eu/it/framework/fincomp/competences/2-6-3?audience=adults)
- `2.6.4` [Considerazioni in materia di sostenibilità per le pensioni](https://explorerhub.eu/it/framework/fincomp/competences/2-6-4?audience=adults)
- `2.7.1` [Considerazioni preliminari alla richiesta di credito](https://explorerhub.eu/it/framework/fincomp/competences/2-7-1?audience=adults)
- `2.7.2` [Garanti e garanzie reali](https://explorerhub.eu/it/framework/fincomp/competences/2-7-2?audience=adults)
- `2.7.3` [Scelta del credito](https://explorerhub.eu/it/framework/fincomp/competences/2-7-3?audience=adults)
- `2.7.4` [Rischi connessi all'assunzione di un credito](https://explorerhub.eu/it/framework/fincomp/competences/2-7-4?audience=adults)
- `2.7.5` [Domanda di credito e punteggio di affidabilità creditizia](https://explorerhub.eu/it/framework/fincomp/competences/2-7-5?audience=adults)
- `2.7.6` [Rimborso del credito](https://explorerhub.eu/it/framework/fincomp/competences/2-7-6?audience=adults)
- `2.7.7` [Rinegoziazione di un contratto di credito](https://explorerhub.eu/it/framework/fincomp/competences/2-7-7?audience=adults)
- `2.7.8` [Scoperti](https://explorerhub.eu/it/framework/fincomp/competences/2-7-8?audience=adults)
- `2.7.9` [Credito a costo elevato di facile accesso](https://explorerhub.eu/it/framework/fincomp/competences/2-7-9?audience=adults)
- `2.8.1` [Gestione del debito](https://explorerhub.eu/it/framework/fincomp/competences/2-8-1?audience=adults)
- `2.8.2` [Debito derivante da pagamenti tardivi](https://explorerhub.eu/it/framework/fincomp/competences/2-8-2?audience=adults)
- `2.8.3` [Difficoltà a rimborsare il debito](https://explorerhub.eu/it/framework/fincomp/competences/2-8-3?audience=adults)
- `3.1.1` [Elementi di base del rischio](https://explorerhub.eu/it/framework/fincomp/competences/3-1-1?audience=adults)
- `3.1.2` [Fonti di rischio](https://explorerhub.eu/it/framework/fincomp/competences/3-1-2?audience=adults)
- `3.1.3` [Rischi specifici dei prodotti e dei servizi digitali](https://explorerhub.eu/it/framework/fincomp/competences/3-1-3?audience=adults)
- `3.2.1` [Creazione di una rete di sicurezza](https://explorerhub.eu/it/framework/fincomp/competences/3-2-1?audience=adults)
- `3.2.2` [Scelta dell'assicurazione](https://explorerhub.eu/it/framework/fincomp/competences/3-2-2?audience=adults)
- `3.2.3` [Assicurazione digitale](https://explorerhub.eu/it/framework/fincomp/competences/3-2-3?audience=adults)
- `3.2.4` [Assicurazione contro i rischi legati al clima](https://explorerhub.eu/it/framework/fincomp/competences/3-2-4?audience=adults)
- `3.2.5` [Sostegno pubblico](https://explorerhub.eu/it/framework/fincomp/competences/3-2-5?audience=adults)
- `3.3.1` [Rapporto tra rischio e rendimento](https://explorerhub.eu/it/framework/fincomp/competences/3-3-1?audience=adults)
- `3.3.2` [Implicazioni in termini di sostenibilità per il rischio e il rendimento](https://explorerhub.eu/it/framework/fincomp/competences/3-3-2?audience=adults)
- `4.1.1` [Normativa in materia di tutela dei consumatori](https://explorerhub.eu/it/framework/fincomp/competences/4-1-1?audience=adults)
- `4.1.2` [Reclami](https://explorerhub.eu/it/framework/fincomp/competences/4-1-2?audience=adults)
- `4.1.3` [Protezione dei dati personali](https://explorerhub.eu/it/framework/fincomp/competences/4-1-3?audience=adults)
- `4.2.1` [Diritti e responsabilità dei consumatori](https://explorerhub.eu/it/framework/fincomp/competences/4-2-1?audience=adults)
- `4.3.1` [Informazioni finanziarie](https://explorerhub.eu/it/framework/fincomp/competences/4-3-1?audience=adults)
- `4.3.2` [Educazione finanziaria](https://explorerhub.eu/it/framework/fincomp/competences/4-3-2?audience=adults)
- `4.3.3` [Consulenza finanziaria](https://explorerhub.eu/it/framework/fincomp/competences/4-3-3?audience=adults)
- `4.3.4` [Discussione di questioni finanziarie](https://explorerhub.eu/it/framework/fincomp/competences/4-3-4?audience=adults)
- `4.4.1` [Caratteristiche dei prodotti e dei servizi finanziari](https://explorerhub.eu/it/framework/fincomp/competences/4-4-1?audience=adults)
- `4.4.2` [Preferenze in materia di sostenibilità](https://explorerhub.eu/it/framework/fincomp/competences/4-4-2?audience=adults)
- `4.4.3` [Marchi e norme di sostenibilità](https://explorerhub.eu/it/framework/fincomp/competences/4-4-3?audience=adults)
- `4.4.4` [Informativa](https://explorerhub.eu/it/framework/fincomp/competences/4-4-4?audience=adults)
- `4.5.1` [Truffe e frodi](https://explorerhub.eu/it/framework/fincomp/competences/4-5-1?audience=adults)
- `4.5.2` [Greenwashing ("verniciatura verde")](https://explorerhub.eu/it/framework/fincomp/competences/4-5-2?audience=adults)
- `4.5.3` [Truffe e frodi relative a dati personali](https://explorerhub.eu/it/framework/fincomp/competences/4-5-3?audience=adults)
- `4.5.4` [Segnalazione di truffe e frodi](https://explorerhub.eu/it/framework/fincomp/competences/4-5-4?audience=adults)
- `4.6.1` [Imposte e trattamenti fiscali](https://explorerhub.eu/it/framework/fincomp/competences/4-6-1?audience=adults)
- `4.6.2` [Imposte e trattamenti fiscali](https://explorerhub.eu/it/framework/fincomp/competences/4-6-2?audience=adults)
- `4.7.1` [Influenze esterne](https://explorerhub.eu/it/framework/fincomp/competences/4-7-1?audience=adults)
- `4.7.2` [Impatto macroeconomico sulla finanza personale](https://explorerhub.eu/it/framework/fincomp/competences/4-7-2?audience=adults)
- `4.7.3` [Pubblicità](https://explorerhub.eu/it/framework/fincomp/competences/4-7-3?audience=adults)
- `4.7.4` [Impatto più ampio sulla sostenibilità delle decisioni in materia di finanza personale](https://explorerhub.eu/it/framework/fincomp/competences/4-7-4?audience=adults)

## Bambini e giovani

### Areas (4)

- `1` [Denaro e transazioni](https://explorerhub.eu/it/framework/fincomp/areas/1?audience=youth)
- `2` [Pianificazione e gestione finanziarie](https://explorerhub.eu/it/framework/fincomp/areas/2?audience=youth)
- `3` [Rischio e rendimento](https://explorerhub.eu/it/framework/fincomp/areas/3?audience=youth)
- `4` [Panorama finanziario](https://explorerhub.eu/it/framework/fincomp/areas/4?audience=youth)

### Competences (43)

- `1.1.1` [Forme di denaro](https://explorerhub.eu/it/framework/fincomp/competences/1-1-1?audience=youth)
- `1.1.2` [Ruolo/finalità del denaro](https://explorerhub.eu/it/framework/fincomp/competences/1-1-2?audience=youth)
- `1.1.3` [Conservazione del denaro e accesso allo stesso](https://explorerhub.eu/it/framework/fincomp/competences/1-1-3?audience=youth)
- `1.1.4` [Gestione del denaro](https://explorerhub.eu/it/framework/fincomp/competences/1-1-4?audience=youth)
- `1.1.5` [Valuta estera e cambio](https://explorerhub.eu/it/framework/fincomp/competences/1-1-5?audience=youth)
- `1.2.1` [Fonti e livelli di reddito](https://explorerhub.eu/it/framework/fincomp/competences/1-2-1?audience=youth)
- `1.2.2` [Fabbisogno di reddito](https://explorerhub.eu/it/framework/fincomp/competences/1-2-2?audience=youth)
- `1.3.1` [Prezzi](https://explorerhub.eu/it/framework/fincomp/competences/1-3-1?audience=youth)
- `1.3.2` [Acquisti](https://explorerhub.eu/it/framework/fincomp/competences/1-3-2?audience=youth)
- `1.3.3` [Modalità di pagamento e trasferimento di denaro](https://explorerhub.eu/it/framework/fincomp/competences/1-3-3?audience=youth)
- `1.4.1` [Documenti e contratti finanziari](https://explorerhub.eu/it/framework/fincomp/competences/1-4-1?audience=youth)
- `2.1.1` [Compilazione di un bilancio](https://explorerhub.eu/it/framework/fincomp/competences/2-1-1?audience=youth)
- `2.2.1` [Controllo e gestione delle entrate e delle uscite ordinarie](https://explorerhub.eu/it/framework/fincomp/competences/2-2-1?audience=youth)
- `2.2.2` [Gestione delle entrate e delle uscite irregolari e impreviste](https://explorerhub.eu/it/framework/fincomp/competences/2-2-2?audience=youth)
- `2.3.1` [Obiettivi e priorità in materia di risparmio](https://explorerhub.eu/it/framework/fincomp/competences/2-3-1?audience=youth)
- `2.3.2` [Fattori che influiscono sul risparmio](https://explorerhub.eu/it/framework/fincomp/competences/2-3-2?audience=youth)
- `2.3.3` [Scelta della modalità di risparmio](https://explorerhub.eu/it/framework/fincomp/competences/2-3-3?audience=youth)
- `2.3.4` [Gestione del risparmio](https://explorerhub.eu/it/framework/fincomp/competences/2-3-4?audience=youth)
- `2.4.1` [Elementi di base dell'investimento](https://explorerhub.eu/it/framework/fincomp/competences/2-4-1?audience=youth)
- `2.4.2` [Scelta degli investimenti](https://explorerhub.eu/it/framework/fincomp/competences/2-4-2?audience=youth)
- `2.4.3` [Cripto-attività e recenti sviluppi digitali](https://explorerhub.eu/it/framework/fincomp/competences/2-4-3?audience=youth)
- `2.4.4` [Investimento sostenibile](https://explorerhub.eu/it/framework/fincomp/competences/2-4-4?audience=youth)
- `2.5.1` [Pensionamento e pensioni](https://explorerhub.eu/it/framework/fincomp/competences/2-5-1?audience=youth)
- `2.6.1` [Assunzione e concessione di prestiti](https://explorerhub.eu/it/framework/fincomp/competences/2-6-1?audience=youth)
- `2.6.2` [Assunzione di credito](https://explorerhub.eu/it/framework/fincomp/competences/2-6-2?audience=youth)
- `3.1.1` [Concetto generale di rischio, fonti di rischio e relativo impatto sulla finanza personale](https://explorerhub.eu/it/framework/fincomp/competences/3-1-1?audience=youth)
- `3.2.1` [Rischio finanziario](https://explorerhub.eu/it/framework/fincomp/competences/3-2-1?audience=youth)
- `3.2.2` [Rapporto tra rischio finanziario e rendimento](https://explorerhub.eu/it/framework/fincomp/competences/3-2-2?audience=youth)
- `3.3.1` [Scelta dell'assicurazione](https://explorerhub.eu/it/framework/fincomp/competences/3-3-1?audience=youth)
- `3.3.2` [Gestione del rischio finanziario](https://explorerhub.eu/it/framework/fincomp/competences/3-3-2?audience=youth)
- `4.1.1` [Panoramica dei prodotti e servizi finanziari e dei relativi fornitori](https://explorerhub.eu/it/framework/fincomp/competences/4-1-1?audience=youth)
- `4.2.1` [Tutela dei consumatori](https://explorerhub.eu/it/framework/fincomp/competences/4-2-1?audience=youth)
- `4.3.1` [Diritti e responsabilità dei consumatori](https://explorerhub.eu/it/framework/fincomp/competences/4-3-1?audience=youth)
- `4.3.2` [Responsabilità dei fornitori di servizi finanziari](https://explorerhub.eu/it/framework/fincomp/competences/4-3-2?audience=youth)
- `4.3.3` [Protezione dei dati personali](https://explorerhub.eu/it/framework/fincomp/competences/4-3-3?audience=youth)
- `4.4.1` [Tipi comuni di truffe e frodi e mezzi di tutela](https://explorerhub.eu/it/framework/fincomp/competences/4-4-1?audience=youth)
- `4.5.1` [Informazione finanziaria](https://explorerhub.eu/it/framework/fincomp/competences/4-5-1?audience=youth)
- `4.5.2` [Alfabetizzazione finanziaria e educazione finanziaria](https://explorerhub.eu/it/framework/fincomp/competences/4-5-2?audience=youth)
- `4.5.3` [Consulenza finanziaria](https://explorerhub.eu/it/framework/fincomp/competences/4-5-3?audience=youth)
- `4.6.1` [Finalità e impatto delle imposte](https://explorerhub.eu/it/framework/fincomp/competences/4-6-1?audience=youth)
- `4.7.1` [Impatto macroeconomico](https://explorerhub.eu/it/framework/fincomp/competences/4-7-1?audience=youth)
- `4.7.2` [Pubblicità e impatto delle pressioni esterne](https://explorerhub.eu/it/framework/fincomp/competences/4-7-2?audience=youth)
- `4.7.3` [Considerazioni in materia di sostenibilità](https://explorerhub.eu/it/framework/fincomp/competences/4-7-3?audience=youth)

## Counts
- Nodes: 175
- Descriptors: 802
- Glossary entries: 0