Only 18% of the children money deposit banks
Posted by admin | Posted in My interviews and news | Posted on 24-10-2008
Tags: parental, Sun Yunxiao wrote media
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March 22, the China Youth Research Center and the Bank of China jointly issued report our financial habits of children. Survey shows that 85% of urban children in China have personal savings, but only 18% of children will be money in the bank, the children sense of weak financial management. Experts believe that this is the way parents give money to.
“Children Money Habits discussion group” in Beijing, Shanghai and Guangzhou, more than 10 cities on the 3000 third, fourth and fifth-grade students and their parents, teachers, more than six thousand questionnaires were distributed. The survey, 17.5% of urban students have personal savings of 5,000 yuan, 16.7% of children have no personal savings. Children over the rest of Liu Cheng personal savings in 5000 yuan. Liu Cheng’s children over a certain amount of monthly pocket money, most of them in less than 100 yuan.
Survey, for extra pocket money, 2% of the children will think of ways to spend, will be at home 53.9%, 25.7% of management to the parents, only 18.4% of bank deposits. Thus, children’s financial awareness is not strong, there is little “money to students money” sense.
Deputy Director of the China Youth Research Center, Sun Yunxiao wrote analysts believe that the child is not strong financial management concepts, methods and give money to poor parents. Japan and South Korea had a U.S. high school students spending four-nation comparative study will show that the Chinese parents give their children pocket money way is the most “casual”. As long as the child needs, they will give their children money, not give money regularly to quantify. Only 35% of Chinese parents give their children pocket money on a regular basis, while 56% of Japanese high school students and 44% of Korean high school students regularly by their parents pocket money. In fact, the weekly or monthly payment of a fixed time for their children pocket money, to let the children learn to plan a reasonable cost, the formation of the correct concept of money management and consumption.
The nationwide survey of primary school children receive pocket money from diverse sources, including several major ways: personal labor in exchange, academic awards, birthday or holiday gifts, take the initiative to or directly on a regular basis to parents. The “initiative to be and parents on a regular basis to” the two together in the proportion of all cases are only 38%. This situation is clearly not conducive to children the concept of financial management training. At the same time, experts pointed out that money as an incentive to academic achievement is not a good way chips, which are hidden in orientation, will distort the child’s motivation. For students, the best motivation is cognitive motivation, parents should not be the money and performance, “linked.”
Only 18% of the children money deposit banks
Should be established to help children money management
March 23, 2010 1 Source: Beijing Evening News
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