); box-sizing: border-box !important;">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.
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:
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.
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.
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.
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%).
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.
资金现状
The Reality of Funding
子女的教育开支主要由家长承担。多数家长靠个人日常收入支付教育费用，许多父母也会专门为子女教育存款，甚至不惜借贷来资助孩子完成大学学业。
Parents shoulder most of the financial responsibility when it comes to paying for their child’s education, and while the majority fund it from their day-to-day income, many parents have saved towards it or would be willing to get into debt to fund their child’s university or college education.
家长承担着主要的财务责任。绝大多数家长为子女教育买单。
Parents shoulder the main financial responsibility: the vast majority contribute towards funding their child’s education.
家长承担着主要的财务责任。绝大多数家长（88%）为子女教育支付费用。子女在高校就读的家长中，近九成（89%）家长承担了教育开支；子女在小学或中学就读的家长中，这一比例也分别达到90%和92%。
Parents shoulder most of the financial responsibility, with the vast majority (88%) funding their child’s education. Nearly nine in 10 (89%) parents with a child at university or college are paying towards their education, as are similar proportions of parents with a child in primary (90%) or secondary education (92%).
子女在高校就读的家长不仅承担学业费用（86%），还需要支付下列费用：
Parents of university students are not only contributing to funding their study fees (86%) but also their:
虽然几乎所有家长（97%）都预计到子女上大学的费用主要由他们支付，但也有超过四分之一（28%）的家长期望孩子能独立承担一部分学业花销。事实上，目前仅有6%的在校大学生与父母一同承担学业费用。
While nearly all (97%) parents expect to be the main contributor of funding should their child go to university, over a quarter (28%) expect their child to contribute to funding their own university costs. In reality, only 6% of children now at university help to fund their education.
Financial planning starts early
许多家长很早便开始决策子女的教育费用问题（资金来源、费用金额、付费年数）。
Most parents started making decisions about funding their child’s education (how to fund it, how much it will cost and for how long they will fund it) at an early stage.
超过三分之二（71%）的家长在孩子上学前就开始为孩子的教育经费进行规划，其中有16%和14%的家长分别在孩子出生前和出生时便做好了决定。
Over two thirds (71%) of parents started planning how to fund their child’s education before they started school, including 16% of parents who made decisions about funding before their child was born, and 14% when their child was born.
相比中国内地的家长（71%），珠三角地区的家长（83%）更早开始决策子女的教育经费问题。
Parents in the Pearl River Delta (83%) are more likely than parents in the whole of mainland China (71%) to have started making decisions about funding their child’s education at an early stage.
考虑让孩子接受高等教育的家长更可能（85%）在子女上小学前做好教育的财务决策。
Parents who would consider a university education for their child are even more likely (85%) to start making financial decisions about their child’s education before they reach primary school.
九成（90%）年龄在34岁或以下的年轻家长会较早决策子女的教育经费问题，而年龄在35岁或以上的家长中，提前决策的家长比例不到六成（58%）。
Nine in 10 (90%) younger parents aged 34 or under started making decisions about funding their child’s education at an early stage, compared to less than three in five (58%) parents aged 35 or over.
许多家长在孩子幼龄时就为教育做好了财务决策
Most parents started making financial decisions about education early on in their child’s life
大学学业费用多数由家长承担
Parents fund most aspects of their child’s university or college education
多数家长靠个人日常收入资助孩子的学业
Most parents are funding their child’s education from day-to-day income
Ways of funding education
多数家长（81% ）靠日常收入支付子女的教育费用。家庭月收入在8000元或以上的家长更多会通过一般存款（42%）或专门的教育存款计划（30%）资助孩子的学业，而家庭月收入在8000元或以下的家长中，这一比例分别为37%和12%。
Most parents (81%) are funding their child’s education from day-to-day income. Parents with a monthly household income of more than RMB8,000 are more likely to be funding education through general savings (42%) or a specific education savings plan (30%), than are parents with a household income of RMB8,000 or less (37% and 12%).
珠三角地区的家长更多会通过一般存款（51%）或专门的教育存款计划（32%）资助孩子的学业，而在中国内地家长中，这一人群的比例分别为41%和27%。
Parents in the Pear River Delta are more likely to be funding their child’s education through general savings (51%) or a specific education savings plan (32%), than are parents in the whole of mainland China (41% and 27%).
多数家长（80%）为子女教育专设的存款帐户或基金注资，这些家长更可能在孩子就读小学前便开始决策教育的财务问题（75%）。
The majority of parents (80%) have paid into a savings account or fund specifically for their children’s education, and these parents are also more likely to have started making financial decisions about their child’s education before they reached primary school (75%).
相比之下，在从来没有为子女教育存款的家长中，仅有不到六成者（54%）在孩子就读小学前开始财务决策。
In contrast, fewer than six in 10 (54%) parents who have never saved towards their children’s education started making funding decisions before primary school.
相比父亲（77%）或年龄在35岁或以上的家长（77%），母亲（84%）和34岁或以下的年轻家长（86%）更可能为子女教育存款。
Mothers (84%) and younger parents aged 34 or under (86%) are more likely to have saved towards their child’s education than are fathers (77%) or parents aged 35 or over (77%).
八成中国家长为子女教育存款
Four in five parents in China have saved towards their child’s education
多数家长愿意借贷资助子女完成大学学业
The majority of parents would be willing to take on debt to fund their child’s university or college education
多数家长（81%）愿意借贷资助子女完成大学学业。在考虑让孩子在本国接受研究生教育的家长中，愿意借贷者的比例上升到将近九成（87%）。
The majority (81%) of parents would be willing to go into debt to support their child through university or college education. This rises to nearly nine in 10 (87%) among parents considering postgraduate studies in their home country for their child.
相比年龄在35岁或以上的家长（78%），34岁或以下的年轻家长（85%）更可能愿意考虑借贷来资助子女完成大学学业。
Younger parents aged 34 or under (85%) are more likely to consider getting into debt to fund their child’s university or college education, than are parents aged 35 or over (78%).
Funding the future can be daunting
近四成（38%）家长担心子女教育的资金来源（例如依靠日常收入、贷款或存款），近三分之一家长（31%）担心支出项目。
Nearly two in five (38%) parents are concerned about how to fund their child’s education (e.g. from day-to-day income, loans or savings) and nearly a third (31%) are concerned about what to fund.
此外，家长还担心孩子的教育支出对家庭其他财务需求的影响（23%），以及教育支出是否物有所值（18%）。
Other concerns parents have about funding their child’s education include how funding their child’s education will affect their household’s other financial commitments (23%) and if it will be worthwhile (18%).
考虑让孩子在海外完成大学学业的家长最可能担心孩子的教育经费问题（50%）。
Parents considering university education abroad for their child are the most likely to be concerned about how to fund their child’s education (50%).
珠三角地区的家长更多会担心资金来源（45%）以及教育支出对家庭其他财务需求的影响（34%），而在中国内地家长中，担心相同问题的家长比例分别为38%和23%。
Parents in the Pearl River Delta are more likely to be concerned about how to fund education (45%) and how funding education will affect their household’s other financial commitments (34%), than are parents in the whole of mainland China (38% and 23%).
家长主要担心子女教育经费的来源
Parents’ main concern is how they will fund their child’s education
发表于 2016-9-14 22:47:41
发表于 2016-11-9 10:41:37
