上海小學首度引入財商測試 00後學生財商驚人
Shanghai, the financial center of China, sure has raised some money-savvy children.
上海是中國的金融中心，理所當然的，這個地方也養育了一些善於理財的孩子。Ninety-two percent of Shanghai primary school students who took a recent test of their money smarts showed an understanding of financial management, and some even knew a thing or two about stocks and debts.
最近，上海的小學生參加了關於一項理財才能的測試，92%的孩子在測試中表現出了自己對於財務管理的理解，一些孩子甚至對股票和債務略有了解。The FQ, or Financial Quotient, test was conducted on Wednesday at three primary schools. It was designed to measure the students’ ability to handle money, their understanding of spending and saving, and their knowledge of family finances and investment.
FQ，或者叫財商測試，於週三在三所小學進行。目的是測試小學生們掌控錢財的能力，他們對於消費和儲蓄的理解，以及他們所具備的家庭財務和投資的知識。
One 8-year-old could identify six ways to make money － including investing in the stock and real estate markets, selling old toys and getting good grades, said Xu Ting, head of the FQ Lab at Ant Fortune, the mobile financing platform of Alibaba Group Holding.
螞蟻聚寶財商實驗室的許婷稱，一個8歲的小學生可以列出6種掙錢的方式——包括投資於股票和房地產市場、賣舊玩具、考試得高分等。螞蟻聚寶是阿里巴巴集團的移動融資平臺。
The students scored 73 percent on average, surpassing the organizer’s assumptions about what children might be expected to understand about money management, Xu said. Twenty-six percent of the 200 test takers, who were ages 8 to 11, scored over 80 points, and only 8 percent notched under 60.
許婷說，參與測試的學生財商平均分爲73分，這超出了組織者對小學生財務管理意識的預期。200名測試參與者的年齡都在8歲到11歲之間，其中26%得分在80分以上，僅有8%低於60分。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.
當被問到如何處理新年紅包時，61%的學生說會把錢存到銀行，而31%的學生說會把錢交給父母作爲投資。一名學生說他會把錢借給親戚購買房產——並且收取利息。Not all of the students who were tested had received financial education. Money education there is integrated into classes to teach students responsibility, teacher Xue Lei said.
教師薛磊說，並非所有參與測試的學生都受過財務教育。金錢觀教育會融入到課堂教學裏，教育學生們要有責任感。
