近日，记者在黄陂街小学、单洞新村小学五、六年级发放了一份题为“我的零花钱”的调查问卷，共有292名孩子填写了调查问卷。调查结果显示，不到10%的孩子没有零花钱，71%的同学每月的零花钱都在60元以内，每月有60元至150元零花钱的同学占到了17%，有2%的同学有150元至600元的零花钱。

recently,Reporter in the HuangBei street primary school/Single hole xincun primary five/Six grade issued a titled"My pocket money"questionnaire,A total of 292 children to fill in the questionnaire.According to the results of the survey,Less than 10% of the children have no money,71% of the students monthly allowance are in the yuan of less than,Sixty yuan a month to 150 yuan money 17% of the students,2% of the students have 150 yuan to 600 yuan of money.

　　一名六年级小学生小方每个月有近600元零花钱，几乎是全校最“富”的。“我读的是‘七对五’的日托班，多数时间都在学校里，爸爸妈妈在外地上班。所以他们每个月会多给我一些钱备用。”小方告诉记者：“差不多每天平均20元，多数时候花得一分不剩。”

A grade 6 students small party nearly 600 yuan every month allowance,Is almost the most"rich"of."I'm reading‘Seven to five’Day-care classes of,Most of the time in the school,Mom and dad to work in the field.Every month so they give me some money to spare."The little party told reporters:"Almost every average twenty yuan,Most of the time spent in a points left."

　　记者在黄陂街小学5班调查发现，多数小学生都有零花钱。“少的一天5毛钱，多的一天10元。”班主任老师说，多数学生明确表示自己有储蓄，少的几百元，多的几万元。一名六年级11岁女生很阔气：“我一个春节就能挣1万多元压岁钱，现在已攒了6万多了。”

Reporter in the HuangBei street primary school class 5 survey found,Most students have pocket money."Few day 5 cents,Many a day 10 yuan."Teacher in charge teacher said,The majority of students made it clear that you have savings,Less hundreds of yuan,The tens of thousands of dollars more than.A six grade 11 years old girl is rich:"I'm a Spring Festival can earn 10000 multivariate money as a gift,Now has saved over 60000."

　　调查中，有一个班40多名学生，零花钱攒了5位数以上的有7人，4位数以上的有20人。

In the investigation,Have a class forty students,Money saved five digits of the above seven people,4 digits of the above twenty people.

　　钱是什么，有什么用？“钱是特别有用的东西”

Money is what,What's the use of?"Money is especially useful things"

　　“钱是什么？钱有什么用？”记者在调查问卷上让五六年级的小学生写下对钱的认知。记者发现，孩子们的答案五花八门，令人吃惊。“钱是特别有用的东西，很重要”、“有钱可以买很大的房子”、“有钱可以出国上大学”、“把钱存在银行可以挣很多利息”、“钱可以换来你想要的东西，吃的、玩儿的”……

"Money is what?What's the use of money?"Reporter in the questionnaire for the five or six years level of primary school children to write money cognitive.Reporter discovery,The children's answers ranged,surprising."Money is especially useful things,Very important"/"Money can buy a big house"/"Money can go abroad to go to college"/"Put the money in the bank can earn a lot of interest"/"Money can get what you want,eat/have"……

　　对此，黄陂街小学5年级高攸芹老师说：“对于钱、花钱，小学生们毫不陌生，他们对钱的操作和认知水平远超出了我们的想象。”

this,HuangBei street primary school grade 5 GaoYouQin teacher said:"For all the money/money,The pupils not strange,Their money to the operation and cognitive level is far beyond our imagination."

零花钱用来买什么？文具、书和零食名列前三 Pocket money to buy?stationery/Books and snacks ranked in the top 3

　　292名学生当中，月零花钱最多的是一个小男孩儿，妈妈每个月给他600元零用钱，而他几乎每月都花光，问他都用来买什么东西，无非是零食、玩具、学习用品，其中还有一项开支是“礼物”班上有好朋友过生日了，或者遇到特殊的节日，好朋友之间会互相送礼物。

Among 292 students,Pocket money on most is a little boy,My mother every month give him $600 spending money,And he almost spent every month,Ask him to buy what things,Is nothing but snacks/toys/School supplies,There is a spending"gift"The class have a good friend's birthday,Or some special festival,Between good friends to each other gifts.

　　记者在调查中发现，学生们用零用钱买得最多的是文具、书和零食。在“购买原因”中，多数孩子选择了“自己喜欢”，其次才考虑“对自己有用”。

Reporter in the survey found,The students use pocket money to buy the most is the stationery/Books and snacks.in"Purchase reason"in,Most children chose"Oneself to like",Secondly to consider"Useful to oneself".

　　对此，武汉一所小学老师说，如今生活越来越好了，孩子们有自己的小金库，有独立的支配能力，但是，由于父母或者学校针对孩子消费的教育比较少，小学生中存在着互相攀比，讲吃讲穿，花钱大手大脚的不良习惯，“一名男生玩起了新型玩具，班上其他同学会跟着买”。

this,Wuhan a primary school teacher said,Now the life is getting better and better,The children have their own private savings,Have independent control ability,but,Because parents or schools for children education consumption is less,The students there are one-upmanship,Speak about eating in,Spend too recklessly bad habits,"A boy playing the new toy,The rest of the class students will follow to buy".

　　记者在调查中发现，小学生的消费存在“饮食跟着广告走，服装跟着名牌走，娱乐跟着新潮走，人情跟着大人走”的现象。

Reporter in the survey found,The consumption of the primary school students there"Diet with advertising go,With famous brand clothes away,Entertainment with trendy walk,And go with adults"phenomenon.

你有没有存款？过半学生有小金库 Have you deposit?More than half the students have a private coffer

　　调查结果显示，超过一半的学生表示零用钱有结余，并有存款。其余的都是“小月光”。在292名学生中，不到10%的学生表示平时花钱会记账；80%说不清楚自己的钱都花到哪里去了；没有一人在支配零用钱时有预算。鹏鹏(化名)对钱没有什么概念，平时很“大方”。同学说：“小鹏家里是做生意的，谁问他借钱他都给，一给就是五块、十块。”鹏鹏对此不否认，他还反问：“老师不是说要助人为乐吗？”

According to the results of the survey,More than half of the students said allowance in credit,And deposit.The rest is"Small moon".In 292 students,Less than 10% of the students said money will charge at ordinary times;80% said it was not clear his money is spent to where go to;No one is in control budget allowance.PengPeng(alias)For money no concept,At ordinary times very"generous".Classmate say:"XiaoPeng home is business,Who asked him to lend you some money to him,A give is five dollars/Ten piece of."PengPeng don't deny,He also ask:"The teacher is not to say to want to help?"

　　压岁钱是自己支配还是交给父母保管？有约30%选择了自己支配，剩下的70%人则选择了父母保管。“我的压岁钱存在妈妈那里，肯定超过两万了。”女生小玲在课堂上小声嘀咕着。“我们总是教育学生该节约，该勤俭，但让学生们实际参与理财的课程确实很少。”武汉市一所小学的陈老师说，为小学生设置理财课是一件很好的事情，可以教学生“支配和创造财富”，改变盲目消费、高消费的不良习惯。“许多父母会说‘小小年纪，花什么钱？’但如果不教会他们简单的理财知识，孩子拥有金钱时就会乱花。因此，在小学生中开展理财教育很有必要。”

New Year's money is own or to keep parents?About 30% chose their control,The remaining 70% were chose parents custody."My New Year's money there mother there,Must be more than twenty thousand."The girl xiao ling in the class said in a low voice."We always education students the save,The hardworking and thrifty,But let the students to participate in the course of the actual financial really few."A primary school in wuhan city of Chen said,For primary school students set up financial class is a very good thing,Can teach students"Control and create wealth",Change blind consumption/The high cost of bad habits."Many parents will say‘Small age,Spend any money?’But if you don't teach them simple financial knowledge,Children have money will lavish.so,In the primary school students to develop financial education is necessary."

教育专家花钱重自制 给钱教理财 Education experts money heavy homemade give money to teach finance

　　孩子的零花钱究竟该如何给？究竟是给得多好，还是给得少好呢？“既不想让孩子缺钱花，又不想让孩子乱花钱”，这是多数家长的普遍心理，也让家长们纠结。专家认为，家长不要把钱当成情感表达的工具，要合理引导孩子用好零花钱。“现在小学生越来越富，家长要掌握引导方法。而且，受家庭经济水平、孩子花钱习惯不同、不同年龄的心智不同，给孩子零花钱要因人而异。”黄陂街小学校长范永岁说，如果孩子是正当需求要用钱，那当然要给，比如买文具，买一些自己喜欢看的课外读物，或者捐款给贫困学生等。不过也要给得适当，数额满足孩子某个方面的需要就行，防止形成攀比心理。如果孩子的自制力较差，大部分钱都用在玩上，家长就要约束并正确引导。

The child's pocket money how to?What is to much good,Still give less? Good?"Do not want the child lack of money,And don't want to let the children not to waste money",This is the most common psychological parents,Also let the parents ravel.Experts say,Parents don't put money as emotional expression tools,To guide rational children with good money."Now students more and more rich,Parents to master guidance method.and,By family economic level/Children of different spending habits/Different age different mind,To give children pocket money to vary from person to person."HuangBei street primary school principals FanYong years said,If a child is just needs to use the money to,That certainly will give,Such as buy stationery,Buy some like the outside reading,Or contribute to poor students, etc.But will give you proper,Amount to meet the needs of children in a line,To prevent the formation of psychological bandwagon.If the child's poor self-control,Most of the money in the play,Parents should constraint and the correct guidance.

　　他建议，平时生活中不妨让孩子做一些劳动，让孩子懂得钱来之不易。

He suggested that,Peacetime life might as well let children do some work,Let the child know money don't come easy.

　　单洞新村小学校长刘胜认为，零花钱关键不在于给或不给，而在于培养孩子对理财的初步认识。有的孩子已经初步形成理财观念，就要鼓励他把观念转化为行动。比如带孩子到银行，一步步教他如何把钱存到银行，如何算利息等。

Single hole xincun primary school principals lead vocal think,Money is not the key to or not to give,But in training children to finance the preliminary understanding.Some children have the initial formation of financial concept,To encourage his ideas into action.Such as took the kids to the bank,Step by step teach him how to put money in the bank,How to calculate interest etc..

　　当然，孩子花零花钱也不是越节俭越好，毕竟时代不同，消费观念也要改变，重在培养他们形成理性消费的习惯。

Of course,Children spend money is not the better the more economical,After all The Times are different,Consumption idea will be changed,Focus on the cultivation of them form the habit of rational consumption.

资料链接 Data link

美国儿童理财教育目标 American children financial education goal

　　一、二年级：不仅认识到钱币，知道钱币的作用、学会钱币之间的换算，还要知道现实生活中一个家庭的开支，家庭的投资储蓄情况。

a/Second grade:Not only realize that money,Know the role of the coin/Learn to coin of the conversion between,To know the real life of a family expenses,The family investment savings situation.

　　三年级的孩子：开始接触钱，知道钱的消费、银行的功能等。家长必须给孩子零花钱，让他有自由支配的能力，只要在大的方面有限制，小的方面不必过细地了解。

Third grade children:Begin to contact the money,Know the consumption of the money/The function of the bank, etc.Parents should give children pocket money,Let him have the ability of free,As long as in general have limit,Small aspects need not careful understanding.

　　四、五年级：是理财教育深化的年纪，这时可以让孩子接触更多的方面。

four/Five grade:Is financial education deepening age,Then can let the child contact more aspects.

　　具体为零到3岁：能够辨认硬币和纸币；4岁：知道每枚硬币是多少美分；5岁：知道硬币的等价物，知道钱是怎么来的；6岁：能够找数目不大的钱，而且能够数大量的硬币；7岁：能看价格标签；8岁：知道可以通过做额外工作赚钱，知道把钱存在储蓄账户里；9岁：能够制定简单的一周开销计划，购物时知道比较价格；10岁：懂得每周节约一点钱，以备大笔开销时使用；11—12岁：知道从电视广告中发现理财事实，并能制定、执行两周以上的开销计划，懂得正确使用银行业务中的术语；13岁至高中毕业：尝试进行股票、债券等投资活动以及商务、打工等赚钱实践。(楚天金报 记者郭会桥 通讯员肖莉)

Specific for zero to three years old:Recognize COINS and paper money;4 years old:Know every coin is how many cents;5 years old:Know the coin of the equivalent,Know money is how to;6 years old:Can not find the number of money,And be able to count a lot of COINS;7 years old:Can see the price tag;Eight years old:Know you can make money by doing extra work,Know how to give money in a savings account;9 years old:Can make simple week spending plan,Shopping in the knowledge that compare the prices;Ten years:Know how to save a little money every week,For costly use;11-12 years old:Know from TV advertising found that financial fact,And can make/Implement two weeks or more spending plan,Know the correct use of the term in banking;13 to graduate from high school:Try to stock/Bonds investment activities and business/Work to make money, such as practice.(Chutian 27 reporter guo will bridge XiaoLi correspondent)