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    瞧這網 » 創業頻道 » 投資理財 » 正文

    讓“六一”成為孩子理財的起點

    創業資訊 - 創業指南 - 創業政策 - 投資理財 - 連鎖加盟 - 創業計劃書

      “六一”是孩子的節日,給孩子們準備什么禮物,成為大人們得頭疼事:學習用品,玩具,衣服,美食等等,似乎這些已經司空見慣,太平常了。平時的學習和五花八門的輔導班讓孩子們很難有喘息的機會,都想在屬于自己的節日里盡情的玩耍。。。
      其實,教導孩子如何理財您嘗試過嗎?學習理財可以讓孩子們換一種思考的角度和方法,對孩子的統籌安排能力和生活能力都很有幫助!
      讓兒童節成為孩子的理財起點
      每年的六月總是孩子最開心的季節。除了蹦蹦跳跳的兒童節,還有不遠處的暑期大假在等著孩子們。所以,六月對父母來講是個花錢的季節。在越來越理性的當今經濟社會,六月也理應成為孩子的理財起點月,讓孩子在享受的同時分清錢的不同來源和節制消費、合理消費的理財意識。
      有資料表明,中國的孩子是零花錢最多的,平均每人每月可達60元左右。而據記者對一些孩子家長和小學生的采訪得知,濟南的孩子零花錢要遠高于此。“每天都會給孩子點零花錢,不多,幾塊錢,中午可以買點水或飲料喝。一般一個月在150-200塊錢之間。”對于“孩子每個月會有余錢留下嗎”這個問題,大部分家長表示,孩子一般是給多少花多少,沒有了就跟家長說,所以“對錢根本沒有什么概念”。
      對孩子而言,給多少花多少其實是一種漠視的消極態度,這種態度很大程度上是由家長的不妥當做法造成的。平日的這種漠視,不但讓孩子對日常開銷沒有節制,即使有再多的錢,孩子也會一口氣花掉,因為“反正明天家長還會給的”。這也容易讓孩子在面對較大數額的“收入”,比如長輩送的節日禮金、生日禮金的時侯顯得手足無措。很多家長會暫為孩子看管,比如存入銀行或充“公”。這種做法未嘗不可,但對培養孩子理財意識卻起不到任何作用。
      兒童教育專家提出:孩子越早接觸錢,學會了理財,長大后也就越會賺錢,可以說,在如今的社會,理財能力也是一種生存能力,金錢觀念和理財能力將成為孩子們成長過程中必備的基本素質之一。
      這些,需要家長做一些工作。比如可以將一個星期的零花錢一次性給孩子,讓孩子從每天的規劃開始,漸漸學會合理分配,并讓孩子知道儲蓄對于滿足未來需求的重要性。然后將時間延長,比如一個月的零花錢、一個季度的等?梢詫⑦@些錢放在家里固定的一個位置,讓孩子每天都有機會看到并提醒孩子做好對明天甚至未來的規劃。
      學校也可以適當開設此類課程。在美國、英國、日本和巴西等一些國家,越來越多的學校制定了理財教育計劃,把理財教育列入了中小學的必修課。從孩子踏進幼兒園起就會接受有關“錢”的概念。他們會知道錢是什么,如何處理好錢在生活中是何等重要等。
      銀行在這方面可以做的也很多。比如借鑒國外銀行設置較高的利率、制作生動

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