久久久无码人妻精品无码_6080YYY午夜理论片中无码_性无码专区_无码人妻品一区二区三区精99

US EUROPE AFRICA ASIA 中文
Business / Economy

Important lessons for future financial security

By LU HAOTING (China Daily) Updated: 2016-02-25 08:00

Important lessons for future financial security

Zhao Lin, a mother from Xintai, Shandong province, teaches her son how to manage money matters. More and more Chinese parents are paying attention to the financial education of their children and encouraging a mature attitude to spending money. XU WENHAO/CHINA DAILY

My 5-year-old son's winter vacation homework had an element of financial education. He will prepare for a short presentation about how he would spend the lucky money received during the Spring Festival.

Lucky money, or yasuiqian in Chinese, is wrapped in red envelopes and given by elders as a wish for good luck in the new year.

When I was my son's age, the routine was to hand in all the lucky money I got, usually less than 20 yuan ($3), to my mother, who had the financial power at home. She said she had to give other children the same amount of or even more money as a return of best wishes.

I was initially a bit surprised that the the amount my son got would allow him to feel as if he owned a big fortune of several thousand yuan.

But on second thoughts, I realized it could serve as an opportunity to teach him about money matters.

A research report by the University of Cambridge commissioned by the United Kingdom's Money Advice Service showed that children's money habits are formed by age 7.

Like many other young parents, I hope my son will get to know about planning, rather than squandering money when he gets older.

Chinese children's pocket money is increasing as household incomes in urban areas are elevated by economic growth, and the one-child policy has resulted in four grandparents and two parents doting on one child.

More than half of middle school students in southern China's Guangzhou get at least 100 yuan per month in pocket money, according to a recent survey by Yangcheng Evening News. More than 20 percent of them even get about 500 yuan a month, which is about a quarter of the urban per capita disposable income in Guangdong province.

But more importantly, the children contend with many monetary issues that the older generation did not face, including market-driven bank interest rates, increased capital market volatility, illegal fundraising, peer-to-peer lending, sky-high college costs and a later retirement age.

We should help our children prepare for the financial real world and avoid a future where they are worried about their financial security.

Parents are the number one influence on children's financial behavior. Schools could also help students improve their financial literacy.

I never received money management coursework during any level of schooling. The personal finance education received by most Chinese of my age was usually from our parents and had only one theme-putting money in piggy-banks. I didn't have any idea about interest rates until I opened my first bank account as a university freshman.

But things have started to change. In September, Guangdong province's education department made headlines by launching financial literacy courses in 36 elementary and middle schools for the first time in the Chinese mainland. More than 10,000 students, from grade five to 10, attend one course every two weeks. Guangdong is one of the country's most economically dynamic regions.

The courses cover topics ranging from making short-term and long-term savings goals to risk management, and from how banks and stock markets work to how a financial crisis breaks out. The pilot project is expected to expand to other parts of the province in the future.

To teach my son some money lessons, I decided to divide the lucky money into two parts.

One is for him to spend. I would give him 10 yuan per month as an allowance and he can decide how to spend the money. I hope he could understand money is finite and it is important to make wise choices.

I also took him to a bank and opened a savings account for him with the rest of the lucky money. I want to show him why his favorite storybook The Berenstain Bears said "putting money in the bank is like hatching chicken eggs".

I hope he can grow up into a mindful consumer and saver, and in the future, an investor and a giver.

Contact the writer at luhaoting@chinadaily.com.cn

Hot Topics

Editor's Picks
...
久久久无码人妻精品无码_6080YYY午夜理论片中无码_性无码专区_无码人妻品一区二区三区精99

    800av在线免费观看| 天天想你在线观看完整版电影免费| 国产精品入口免费软件| 亚洲高清视频免费| 国产a级片网站| 91女神在线观看| 国产妇女馒头高清泬20p多| 中文字幕第36页| 日本香蕉视频在线观看| 老司机久久精品| 人妻av无码专区| 女同激情久久av久久| 欧美色图另类小说| 国产日韩欧美大片| 中文久久久久久| 欧美日韩成人免费视频| 国产高清免费在线| 熟女少妇精品一区二区| 日韩精品在线中文字幕| 奇米777在线视频| 午夜激情福利在线| 一二三四视频社区在线| 大桥未久一区二区三区| 日本在线观看免费视频| 日日橹狠狠爱欧美超碰| 妞干网在线播放| 特级黄色录像片| xxxx在线免费观看| 爱情岛论坛成人| 一女被多男玩喷潮视频| 国产成人在线小视频| 91大神免费观看| 一起操在线视频| 五月婷婷狠狠操| 国产精品欧美激情在线观看| 国产精品国产亚洲精品看不卡| 400部精品国偷自产在线观看| 天天综合网日韩| 亚洲五月天综合| 99久久激情视频| 无码aⅴ精品一区二区三区浪潮| 国产美女在线一区| 粉嫩av一区二区三区天美传媒| 天天干天天曰天天操| 中日韩av在线播放| 三上悠亚在线一区| 国模私拍视频在线观看| 在线观看av日韩| 亚洲激情在线观看视频| 九色porny91| 欧美日韩在线免费播放| 91av俱乐部| 狠狠热免费视频| 在线视频日韩一区| 婷婷免费在线观看| 邪恶网站在线观看| 污污的视频免费| 亚洲av无日韩毛片久久| 永久免费黄色片| 亚洲第一综合网站| 日本大胆人体视频| 国产 欧美 日韩 一区| av片在线免费| 国产不卡一区二区视频| 日韩精品―中文字幕| 妺妺窝人体色www在线小说| 国产亚洲天堂网| 91最新在线观看| 成人黄色一级大片| 中国一级黄色录像| 免费看欧美黑人毛片| 久久国产亚洲精品无码| 久久久免费视频网站| 免费激情视频在线观看| 狠狠操狠狠干视频| 99精品一级欧美片免费播放| 97超碰国产精品| 欧美女人性生活视频| 国产又猛又黄的视频| 日韩成人av免费| 国产一级大片免费看| 又粗又黑又大的吊av| 激情五月婷婷久久| 99999精品| 欧美日韩福利在线| 超碰av在线免费观看| 樱花草www在线| 蜜臀av无码一区二区三区| 黄色片一级视频| 国产精品自在自线| 国产情侣第一页| mm1313亚洲国产精品无码试看| 久久精品国产99久久99久久久| 日本a在线天堂| 日本成年人网址| 午夜免费看毛片| 国产精品videossex国产高清 | 欧美男女爱爱视频| 九一精品在线观看| 欧美 国产 精品| 国产精品沙发午睡系列| xxx国产在线观看| 日产精品久久久久久久蜜臀| 激情五月亚洲色图| 日韩精品手机在线观看| 免费看a级黄色片| 波多野结衣与黑人| 欧美自拍小视频| 99er在线视频| 色片在线免费观看| av免费观看国产| 午夜不卡福利视频| 那种视频在线观看| 久久久久福利视频| 五月婷婷六月丁香激情| 久草免费福利在线| 国产一区二区在线观看免费视频| 老太脱裤让老头玩ⅹxxxx| 日本美女视频一区| 国产免费毛卡片| 天堂а√在线中文在线| 日韩精品你懂的| 自拍日韩亚洲一区在线| 久久久国产精华液999999 | 黄页免费在线观看视频| 九一精品久久久| 国产精品宾馆在线精品酒店| 国产精品久久成人免费观看| 色婷婷综合久久久久中文字幕 | 成年人午夜视频在线观看| 国产欧美激情视频| 99精品免费在线观看| av动漫在线免费观看| 午夜啪啪小视频| 青青在线视频免费| 波多野结衣乳巨码无在线| 桥本有菜av在线| 国产九九热视频| 国产精品免费成人| 黄色一级视频片| 久艹在线免费观看| 免费观看黄色大片| 日韩在线一区视频| 少妇一级淫免费放| 国产女女做受ⅹxx高潮| 成年人午夜视频在线观看| 99久久久精品视频| 狠狠精品干练久久久无码中文字幕| 日韩欧美国产片| www.天天射.com| 青青草精品视频在线观看| 日本精品免费在线观看| 精品视频免费在线播放| 91亚洲精品国产| 91精品国产吴梦梦| 日本a级片在线观看| 在线观看中文av| 欧美性猛交xxxx乱大交91| 中文av一区二区三区| 性欧美videossex精品| 亚洲成人av免费看| 国产精品igao| 天天色综合天天色| 亚洲一级片网站| 男人的天堂最新网址| 91小视频在线播放| 亚洲五月激情网| 艳母动漫在线免费观看| 国产又粗又长又爽视频| 国产小视频免费| 久艹视频在线免费观看| 黄色免费视频大全| 老熟妇仑乱视频一区二区| 国产 porn| 亚洲精品视频三区| 北条麻妃亚洲一区| 久久亚洲a v| 极品美女扒开粉嫩小泬| 欧美色图色综合| 在线免费视频a| 黄色三级视频在线播放| 国产免费一区二区三区四在线播放| 2022中文字幕| 男人日女人逼逼| 日本老熟妇毛茸茸| 91小视频在线播放| 996这里只有精品| 精品国产一二三四区| 啊啊啊国产视频| 免费观看国产精品视频| 凹凸国产熟女精品视频| 一级黄色香蕉视频| 91大神免费观看| 国产免费黄色一级片| 国产免费视频传媒| 亚洲av无日韩毛片久久| 91黄色在线看| 久久久久久香蕉| 亚洲国产欧美91| 成人黄色av片|