论文部分内容阅读
中国孩子“不差钱”已经是不争的事实。2003年的一项调查显示:6～15岁的孩子拥有的零花钱、压岁钱已高达56亿元。2009年的一项调查显示,60%以上的城市少年儿童每月都有一定数额零花钱,去年的一项调查显示,2010年中国大城市高中生每月获得的零花钱平均为250元,其中,上海高中生月均零花钱为299元,占到中国城镇居民月平均收入的17%,远高于美、日、韩三国。而中国孩子在理财意识上的一个普遍现状是,孩子的理财事宜基本上都由父母包办。就拿眼下大部分银行发行的儿童理财产品来说,基本上有名无实,无非是打着孩子的名义,让家长去亲力亲
Chinese children “not bad money ” is an indisputable fact. A 2003 survey shows that children aged 6-15 have pocket money of up to 5.6 billion yuan for New Year’s money. According to a 2009 survey, more than 60% of urban children and adolescents spend a certain amount of pocket money each month. According to a survey last year, the average pocket money each month for high school students in metropolitan cities in China was 250 yuan, of which . The monthly average pocket money of high school students in Shanghai is 299 yuan, accounting for 17% of the monthly average income of urban residents in China, which is much higher than that of the United States, Japan and South Korea. The Chinese children in a sense of financial management is a common situation, the child’s financial matters are basically arranged by their parents. Take most of the moment for children’s financial products issued by children’s banks, basically nothing but the name of the child, let the parents go to their beloved