返回目录：理财保险
教育帮助建立成功的未来，而且教育对给儿童制造充分的机会很重要。在汇丰，我们帮助父母提前计划，因此他们的孩子可以充分发挥他们的潜在能力并且能够保证他们的雄心壮志变成现实。
我(CharlineNumm, Group Head of Wealth Management, HSBC)很开心能够介绍由汇丰研究调查的全球客户三份报告中的一份教育价值系列。这是未来检测父母希望和雄心壮志的基础，也是他们对教育资金的态度。
这份报告反应了父母对他们孩子的高教育和未来的职业生涯有很高的期待，并且他们也承担了大部分的教育责任。因此对父母而言，意识到高期待所带来的高成本这是很重要的。提早进行财务规划来保证能够很好的支持孩子学习，而不必为了长期的财务目标而担心。
我希望这份报告里的结果可以帮助到父母，为他们的长远规划提供一些信息，并把这些信息合理运用，提供给孩子一个美好的未来。
一、未来的基础
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二、中国父母如何进行财务平衡
教育为先
Education comes first
许多家长都感到子女的教育费用负担不轻，但相对于其他财务支出项目，他们仍会优先安排教育支出。很多父母宁愿在其他方面缩减开支，也不愿牺牲对子女的教育投资。
While many parents find paying for their child’s education difficult, it takes priority over their other financial responsibilities, and many would be least likely to sacrifice funding it, if they had to cut back on their expenses.
许多家长认为，子女的教育费用比其他财务开支更为重要。
Many parents think that funding their child’s education is more important than their other financial commitments.
平衡家庭财务支出
Balancing financial commitments
孩子的教育费用是家长承担的多项财务支出之一。许多家长认为，保证子女的教育费用比以下支出更为重要，例如：
支付保费 63%
个人退休储蓄金供款 61%
信用卡账单还款 59%
Funding their child’s education is one of several financial commitments that parents have. Many parents think that funding their child’s education is more important than:
Paying for insurance 63%
Contributing to their own retirement savings 61%
Repaying the credit card bill 59%
超过半数（55%）的家长认为，抵押贷款或房租没有教育支出重要；类似也有56%的家长认为家庭日常开销的重要性不及教育支出。
Over half (55%) of parents also believe that paying the mortgage or rent is less important than funding their child’s education, while similar proportions (56%) think that paying the household bills is less important.
在整个中国内地，将近三分之二（63%）的家长认为支付保费没有教育支出重要。但在珠三角地区，持相同观点的家长比例仅超过半数（54%）。
Nearly two thirds (63%) of parents in the whole of mainland China think that paying for insurance is less important than funding their child’s education. This compares to just over half (54%) of parents in the Pearl River Delta region.
相比年龄在34岁或以下的年轻家长（57%），更多年龄在35岁或以上的家长会选择将子女的教育支出排在个人退休储蓄供款之前（63%）。
Older parents aged 35 or over (63%) are more likely to put funding their child’s education ahead of contributing towards their own retirement savings, than are younger parents aged 34 or under (57%).
相比之下，年龄在34岁或以下的年轻家长（65%）比年龄在35岁或以上的家长（56%）更倾向于将子女的教育支出排在信用卡账单还款之前。
In contrast, younger parents aged 34 or under (65%) are more likely to place funding their child’s education ahead of repaying the credit card bill, than are parents aged 35 or over (56%).
相比母亲而言（57%），更多父亲（64%）认为退休储蓄供款不及子女的教育支出重要。此外，更多父亲（58%）认为支付房贷或房租不及教育支出重要，而持相同观点的母亲比例为52%。
Fathers (64%) are more likely than mothers (57%) to think that contributing to their own retirement savings is less important than funding their child’s education. They are also more likely (58%) than mothers (52%) to believe that paying the mortgage or rent is less important than funding their child’s education.
更多父亲认为，子女的教育支出比家庭的其他财务支出更重要。
Fathers are the most likely to believe that contributing to these financial commitments is less important than funding their child’s education.
如果不得不减少财务支出，家长最不愿意缩减子女的教育费用。
Parents are least likely to sacrifice paying for their child’s education,if they had to cut back on their fiancial outgoings.
财务开支 何处节流？
Financial outgoings Where to cut back?
如果不得不缩减一项财务支出，家长更可能缩减房贷，而不是牺牲子女的教育支出。超过半数（59%）的家长表示，他们最不愿减少对子女教育方面的财务投入。与之形成对比的是，只有不到一成（6%）的家长不愿减少房贷还款。
Parents would be more likely to sacrifice paying the mortgage than their children’s education, if they had to cut back on one of their financial outgoings. Over half (59%) say that their child’s education is the financial commitment they would be the least likely to sacrifice. In contrast, less than one in 10 (6%) would not sacrifice their mortgage repayments.
相比整个中国内地的家长而言（59%），珠三角地区的家长（54%）更可能减少子女的教育支出。
Parents in the Pear River Delta (54%) are more likely than parents in the whole of mainland China (59%) to sacrifice paying for their child’s education.
如果不得不减少财务支出，年龄在35岁或以上的父母最不愿意牺牲对孩子的教育投入（62%）；而在年龄为34岁或以下的家长中，持相同观点者的比例不到五分之三（55%）。
Older Parents aged 35 or over (62%) are the least likely to sacrifice funding their child’s education if they had to cut back, compared to under three in five (55%) parents aged 34 or under.
家长对子女教育寄予更高期望
Parents’ higher education ambitions for their child
几乎所有家长（99%）都考虑让子女接受高等教育，考虑本科学历（89%）和研究生学历（98%）的比例相当。
Almost all (99%) parents would consider a university education for their child, and are nearly as likely to consider postgraduate studies (89%) for their child as they are to consider an undergraduate education (98%).
相比母亲（87%）和年龄在35岁或以上的家长（87%），父亲（91%）和年龄在34岁或以下的年轻家长（91%）更倾向让孩子接受研究生教育。
Fathers (91%) and younger parents aged 34 or under (91%) are more likely to consider a postgraduate education for their child, than are mothers (87%) and parents aged 35 or over (87%).
如果不得不减少财务支出，较年长的父母最不愿意牺牲对孩子的教育投入。
Older parents are the least likely to sacrifice paying for their children’s education, if they had to cut back on their financial outgoings.
许多家长表示，子女的教育费用使他们更难承担其他财务开支。
Many parents say that paying for their child’s education makes it more difficult to keep up with their other financial commitments.
经费需求增长
Funding needs will grow bigger
教育是一笔昂贵的长期投资，许多家长（44%）表示，子女的教育费用使他们更难以应付其他财务支出。相比孩子在中学（37%）或小学（36%）就读的家长，孩子在高校就读的家长（57%）对此感触尤深。
Education can be an expensive long-term commitment and many parents (44%) say that funding their child’s education makes it more difficult to keep up with their other financial commitments. Parents with a child at university or college (57%) are more likely to say this, compared to parents with a child at secondary school (37%) or at primary school (36%).
家庭月收入在8000元或以下的家长（63%）最可能因教育费用而感到难以承担其他财务支出；相比之下，如果家庭月收入超过8000元，则有四成家长(41%)会感到同样压力。
Parents with a monthly household income of RMB8,000 or less (63%) are the most likely to say that funding their child’s education makes it more difficult to keep up with their other financial commitments, compared to two in five(41%) of parents with a household income of more than RMB8,000.
如果孩子在小学就读，绝大多数（86%）家长预计孩子上中学后的教育开支将有所增长。相比之下，珠三角地区持相同观点的家长比例不到四分之三（74%）。
The vast majority (86%) of parents with a child in primary education expect the amount they spend on their child’s education will increase when their child goes to secondary school. In contrast, fewer than three quarters (74%) of parents in the Pearl River Delta think this.
类似地，如果孩子在中学就读，绝大多数（90%）家长预计孩子上大学后的教育开支将再次增长。
A similarly high proportion of parents (90%) with a child in secondary education expect their education spending to rise again should their child go to university or college.
相比年龄在34岁或以下的年轻家长（80%），有更多年龄在35岁或以上的家长（86%）预计孩子上中学后的教育开支将有所增长。
Older parents aged 35 or over (86%) are more likely to expect their education spending to rise when their child goes to secondary school, than are parents aged 34 or under (80%).
高等教育支出
Spending on higher education
子女在高校就读的家长平均每年在子女教育方面的支出为5718美元 (人民币35,925元)。
Parents with a child at university or college spend USD5,718 (RMB35,925) a year on average on their child’s education.
但是，有超过1/7的家长（14%）不清楚他们每年为子女的高等教育所支出的金额。
However, over one in seven (14%) parents do not know how much they spend each year on their child’s university or college education.
中国家长平均每年为子女高等教育支出5,718美元
Parents in China spend on average USD5,718 a year on their child’s university or college education.
未完待续，见下篇......