財商測試結果顯示:北京孩子最會管理金錢
A child in Beijing got the highest score—90/100, in a test of their financial intelligence that showed an understanding of financial management among primary school students in Beijing, Shanghai and Wenzhou, known for vibrant business activity in east China's Zhejiang province.
一名北京小學生在一項金融智商測試中獲得了最高分90分（滿分爲100分）。這項測試用於測試小孩子對理財的瞭解，參與者包括來自北京、上海和商業活動最爲活躍的中國東部浙江省溫州的小學生。The students from the three cities scored 74 percent on average in the FQ test, surpassing the organizer's assumptions about what children understand about money management, said Xu Ting, head of the FQ Lab at Ant Fortune, the mobile financing platform of Alibaba Group Holding.
徐婷，阿里巴巴旗下移動端平臺--螞蟻金融理財實驗室主任說道，三個城市的學生取得了平均74分的成績，他們對於理財的瞭解，遠遠超出了我們測試組織者的預想。
The FQ, or Financial Quotient, test was divided in two sections: an online survey and an offline experiment among pupils. It was designed to measure the pupils' ability to handle money, their understanding of spending and saving, and their knowledge of family finances and investment.
FQ（金融智商）分爲在線測試和線下實驗兩個部分。它用來測試小學生管理金錢的能力，他們花費和儲蓄錢的情況以及他們對家庭經濟和投資的瞭解。
During the offline experiment children were required to spend one hour in a toy market after giving them 200 yuan in cash. "We thought the children would spend all the money on buying toys" said a researcher.
在線下測試中，孩子們被分配200元到玩具市場逛1個小時，“我本想着孩子們會把錢都用來買玩具”一名調查者說。In general the children had strong self-control in spending. Test takers in Beijing had 140 yuan left on average, and no one had less than 10 yuan at the end of the test.
孩子們普遍有很好的錢財管控能力。在所有測試者中，北京孩子平均每人能留下140元，測試結束時每個孩子餘額都超過了10元。72% of children in the three cities chose to save money and have 128 yuan left on average. Only 7% of children had less than 10 yuan which indicates a "paycheck to paycheck" lifestyle.
在所有的三個城市孩子中，72%的孩子都有省錢意識，平均每人剩餘128元。只有7%的孩子手裏剩餘不足10元，這也表明他們過得是“月光族”的生活方式。Asked about managing a New Year's money gift, 61 percent of the students said they would deposit the money in the bank while 31 percent said they would give it to their parents for investment. One student said he would lend the money to relatives to buy property － and charge interest.
當問及如何管理自己的壓歲錢時，61%的學生說他們會把錢存到銀行，31%的學生說他們會把錢給父母去投資。其中一個學生說，他會把錢借給親戚去買房地產並收取利息。
