如何打理压岁钱：家长代管代销 孩子自由支配？ How to do New Year's money:Parents hosting free children sell goods on a commission basis?

　　 据中国之声《全球华语广播网》报道，过年，最开心的是孩子们。最期待的事莫过于从长辈手中接过一个个红包。不过，对于一些家长来说，心里也会打鼓：孩子平时就喜欢乱花钱，过年了手里有一堆钱那还了得！于是，就有了很多人小时候过年都听过的这句话：“乖，爸妈先帮你把红包存起来！”。

According to the sound of China[The global Chinese radio network]reports,Chinese New Year,The most happy is the children.Look forward to most thing from elder received his a red envelope.but,For some parents speaking,Heart will beat a drum:Children usually like disorderly spend money,The New Year hand have a heap of money that never!so,There is a lot of people have heard of the Chinese New Year when I was a child of this sentence:"good,Parents to help you to save a red envelope!".

　　 对于压岁钱的支配，小朋友们会怎么想呢？咱们先听听北京7岁的谢宇豪小朋友怎么说。

For the mercy of the New Year's money,The children will be how to think?Let's listen to Beijing at the age of 7 XieYuHao children how to say.

　　 谢宇豪：我妈和姥爷给我的压岁钱我都不现在花，我都存起来，存到银行里买大房子，现在花了就买不了房子的啊。

XieYuHao:My mother and grandpa for my New Year's money I don't now flower,I save,Deposit to the bank to buy a big house,Now spent just can't buy the house ah.

　　 不积跬步，无以至千里。像谢豪宇这样有理财观念的小朋友也不少。荷包鼓鼓的压岁钱该如何打理？银行早就帮您想好了。很多银行隆重推出了压岁钱理财产品，时间跨度少则10年，多则20年，呼吁提早规划巧打理。

BuJiKuiBu,Without that li.Like XieHaoYu such a financial management concepts and many of the children.Pouch bulging lucky money how to do?The bank would have help you want to good.Many Banks carried out the New Year's money financial products,Less time span is ten years,, twenty years,Calls for early planning do opportunely.

　　 “压岁钱”或许不仅是一笔财富，同时也是一份成长的记忆，更是一份长辈们的关爱。放眼海外，各国小朋友是否都有收压岁钱的传统？如果有，额度一般会多大？是代管代销还是让他们自由支配？

"Lucky money"Perhaps is not only a fortune,At the same time is also a growth of memory,Is a love to the elders.Looking overseas,All countries whether children have the traditional New Year's money?If there is,Line usually much?Is agency sell goods on a commission basis or let them free?

　　 先看看邻国日本，住在东京的6岁男孩的妈妈黄女士表示，日本孩子收压岁钱一般是在元旦。

Look at Japan's neighbors,Lives in Tokyo 6 years old boy's mother ms wong said,Japanese children receive lucky money is generally in the New Year's day.

　　 黄女士：日本在元旦的时候给孩子们压岁钱。给学龄前的孩子更多的是玩具和好吃的，他们会比得到钱快乐，留下的印象更深。给小学的孩子一般是1000到5000日元，也就是70-350人民币左右。初中一般给5000日元，高中以后很多孩子会拿到1万日元。

Ms wong:On New Year's day Japan when children lucky money.To preschool children more is a toy and delicious,They will be happy than get money,The impression that deeper.To primary school children is usually 1000 to 5000 yen,Is 70-350 yuan or so.Junior high school general to 5000 yen,After high school a lot of children will get 10000 yen.

　　 事实上现金并不是日本孩子压岁钱永恒的主题。

In fact the cash is not Japanese children lucky money eternal theme.

　　 黄女士：有很多人给孩子的不是现金，是可以购买图书的图书券，购买音像制品的CD券。根据调查，这几年日本孩子们平均拿到的压岁钱是1800人民币左右；调查还显示，小学生的压岁钱用途第一位是储蓄，第二位和第三位是买玩具和游戏软件，第四位是交给家长。我的一个朋友给他的三个孩子每人开了一个帐户，把孩子们的压岁钱都存进了他们的帐户里，他说压岁钱是对孩子的投资，希望孩子们长大以后会用这些钱做一些有意义的事情。

Ms wong:There are many people who give the child is not cash,Can buy the book voucher,Buy audio and video products CD voucher.According to investigation,Over the past few years the average Japanese children get lucky money is 1800 yuan or so;The survey also showed,Elementary student's New Year's money USES the first is the savings,The second and the third is to buy toys and games software,The fourth is to parents.One of my friends to his three children each opened an account,The children to save money in their account,He said to the child's New Year's money is investment,I hope the children grow up will use the money to do some meaningful things.

　　 旅居法国的万凌虹女士说：法国虽然少有中国式压岁钱的说法，不过她的法国公公婆婆还是会在新年、圣诞这样的节日里给大一点的孙辈们派发奖金，给小一点的派发礼物。大一点的孩子一旦获得长辈们的红包奖励，这笔钱就完全属于他们的私有财产，孩子们可以全权自由支配这笔来之不易的奖金。

Sojourn French WanLing rainbow lady said:The French although rare that Chinese New Year's money,But her French grandpa and grandma will still be at the New Year/Christmas this festival to bigger grandchildren distributed bonus,To small distributed gifts.Older children once get red envelopes reward to the elders,The money is their own private property,The children can full disposal the hard-won prizes.

　　 万凌虹：我觉得孩子也会妥善去用自己的这笔钱。像今年圣诞节，两个大孩子现在都有自己的现金可以支配，今年他们过节的时候，也给他的弟弟、妹妹准备礼物，全部是用的他们自己的钱。我们家先生说要跟他们去买单，他都不让说，这是我的礼物凭什么要你去买单？他们实际上已经有自己的一些思维观念，他知道怎么去用自己的钱。

WanLing rainbow:I think the children will properly to use their own money.Like this Christmas,Two children now have their own cash can dominate,This year they when the feast,Also to his brother/Sister ready to present,All with their own money.Mr. Our house to pay to go with them,He said not to let,This is my gift with what want you to foot the bill?They actually there have been some thought idea,He knew how to use their own money.