日前，富达国际投资发表最新亚洲《如何看待收入定位？》研究报告。研究报告指出，中国一线城市居民对自己的收入排名较其他亚洲城市有更正确的认识，而且他们对自己未来及下一代收入排名的改善均表示乐观。为此，富达认为除了教育和勤奋工作以外，金融素养的培养在如今显得日益重要。

a，Fidelity international investment published new Asia《How to look at income positioning？》report。report，China a line of his city residents income than other Asian cities ranked more correct understanding，And they for your future income and the next generation of the rankings are optimistic that improve。For this，In addition to education and fidelity think hard work outside，The cultivation of financial literacy in now appear increasingly important。

　　此次调研范围覆盖了八个亚洲国家和地区的共十个城市，总计超过5,000名受访者，其中包括北京和上海。调查分别访问529位北京居民和523位上海居民，受访者年龄在25至54岁之间。调查目的是希望了解一线城市居民对自己收入地位的评估及对前景的展望，为城市居民制定理财规划、完善财务管理提供参考。

The research range eight Asian countries and areas of the ten cities，Total more than 5,000 respondents，Including Beijing and Shanghai。Survey 529 Beijing residents were a visit and 523 Shanghai residents，Respondents aged 25 to 54。Objective to understand a line is to urban residents income status of the evaluation and the prospects for the outlook，For urban residents make financial planning、Improve financial management to provide the reference。

　　此次调查发现，北京居民对其家庭收入属于哪个收入水平有较正确的认知；其认知度的准确性为十个调查城市之首，但仍倾向于低估个人收入地位。富达国际投资亚太区投资资讯总监吴玉慈指出，对个人收入地位的认知模糊会影响到个人消费及储蓄习惯，甚至左右投资决策，影响财产管理。

The survey found that，Beijing residents for the family income to belong to which income level had correct cognition；The awareness of the accuracy for ten survey is the head of the city，But still tend to underestimate the personal income status。Fidelity international investment Asia Pacific investment information director WuYuCi said，Of individual income status of the cognitive fuzzy will affect the personal consumption and saving habits，About even investment decisions，Affect property management。

　　“而由于对自己的收入地位有相对正确的认识，中国一线城市居民更可能找到符合自身经济条件的投资策略，妥善管理个人财富。如果还能拥有适当的投资知识和技能，他们将能做出最合适的理财规划，更好地为自己和家庭的财富增值。”吴玉慈表示。

“And because of his income status is relatively the correct knowledge，A Chinese city residents may find more line consistent with their own economic conditions of the investment strategy，Proper management personal wealth。If also can have the appropriate investment knowledge and skills，They will be able to make the most appropriate financial planning，Better and of the family's wealth appreciation。”WuYuCi said。

　　“调查显示，北京和上海居民在意识到收入差距社会现象存在的同时，也对未来自己收入地位的改善抱有信心。这种乐观和信心将促使他们更积极地寻求各种方式，努力增加自己家庭的财富收入。”吴玉慈对上述数据做出补充。

“survey，Beijing and Shanghai residents in consciousness to the income gap between the existing social phenomenon at the same time，About future improve the status of their earnings were confident。This optimism and confidence will make them more actively exploring a variety of ways，Efforts to increase his income of the family's wealth。”WuYuCi on the above data make added。

　　此外，除了相信自己未来十年的收入排名将得到改善以外，北京和上海的居民对其下一代的收入预期同样表示乐观。96%的北京居民和98%的上海居民相信其子女在40岁时将属于中等或高等收入的类别。

In addition，In addition to believe that your future ten years of income rankings will improve outside，Beijing and Shanghai residents of its the next generation of income expected the same optimistic。96% of Beijing's residents and 98% of the Shanghai residents believe their children in the age of 40 will belong to medium or higher income categories。

　　调查还显示，有74%的北京受访者和76%的上海受访者将教育视为子女能否获取中高等收入的关键，而61%北京和65%上海居民也看重勤奋工作及保持上进心。认为金融素养是子女未来收入地位关键因素的受访者在两地也接近六成，高于其他调研城市。

The survey also showed，74% of Beijing's respondents and 76% of Shanghai education as children can respondents will get higher income in the key，And 61% and 65% in Beijing Shanghai residents also value hard work and keep the desire to do better。Think financial literacy is a key factor in the future income children status in two of the respondents also close to sixty percent，Higher than other research city。

　　吴玉慈表示：“传统上人们认为通过教育及勤奋工作，可晋身中等或高等收入组别，但随着中国社会对高学历的需求不断增加，我们正面临‘学位泛滥’的问题。为增加收入、更好地保障管理财务，中国居民必须学习财务知识、培养金融素养，以此长远地从储蓄及投资中获得新的收入来源。作为子女，也应该学习如何管理从父母继承而来的财产，尽力创富增值。”

WuYuCi said：“Traditionally, it was thought by education and hard work，Can enter the medium or the higher income groups，But as China's society of highly educated to increasing demand，We are facing‘Degree flood’problems。To increase the income、Better safeguard financial management，Chinese residents must learn financial knowledge、Train financial literacy，This long saving and investment from gain new source of income。As children，Should also learn how to management from parents inherit the property，Try our best to create richly value-added。”