A child in Beijing got the highest score—90/100, in a test of their financial intelligence that showed an understanding of financial management among primary school students in Beijing, Shanghai and Wenzhou, known for vibrant business activity in east China's Zhejiang province.
一位北京小門生在一項金融智商測試中得到了最高分90分(滿分為100分)。這項測試用於測試小孩子對理財的懂得，介入者包含來自北京、上海和貿易運動最為活潑的中國東部浙江省溫州的小門生。
The students from the three cities scored 74 percent on average in the FQ test, surpassing the organizer's assumptions about what children understand about money management, said Xu Ting, head of the FQ Lab at Ant Fortune, the mobile financing platform of Alibaba Group Holding.
徐婷，阿裏巴巴旗下挪動端平台--螞蟻金融理財試驗室主任說道，三個都會的門生獲得了均勻74分的成就，他們對付理財的懂得，遠遠超越了咱們測試構造者的料想。
The FQ, or Financial Quotient, test was divided in two sections: an online survey and an offline experiment among pupils. It was designed to measure the pupils' ability to handle money, their understanding of spending and saving, and their knowledge of family finances and investment.
FQ(金融智商)分為在線測試和線下試驗兩個部門。它用來測試小門生治理款項的才能，他們消費和儲備錢的情形和他們對家庭經濟和投資的懂得。
During the offline experiment children were required to spend one hour in a toy market after giving them 200 yuan in cash. "We thought the children would spend all the money on buying toys" said a researcher.
在線下測試中，孩子們被分派200元到玩具市場逛1個小時，“我本想著孩子們會把錢都用來買玩具”一位查詢拜訪者說。
In general the children had strong self-control in spending. Test takers in Beijing had 140 yuan left on average, and no one had less than 10 yuan at the end of the test.
孩子們廣泛有很好的財帛管控才能。在全部測試者中，北京孩子均勻每人能留下140元，測試停止時每一個孩子余額都跨越了10元。
72% of children in the three cities chose to save money and have 128 yuan left on average. Only 7% of children had less than 10 yuan which indicates a "paycheck to paycheck" lifestyle.
在全部的三個都會孩子中，72%的孩子都有省錢意識，均勻每人殘剩128元。只有7%的孩子手裏殘剩不敷10元，這也註解他們過得是“月光族”的生存方法。
Asked about managing a New Year's money gift, 61 percent of the students said they would deposit the money in the bank while 31 percent said they would give it to their parents for investment. One student said he would lend the money to relatives to buy property - and charge interest.
當問及若何治理本身的壓歲錢時，61%的門生說他們會把錢存到銀行，31%的門生說他們會把錢給怙恃去投資。個中一個門生說，他會把錢借給親戚去買房地產並收取利錢。
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