教育成本，不得不考虑的支出 | 教育的价值：登高望远（二）
教育者，
非为已往，
非为现在，
而专为将来。
——蔡元培
更进一步
Going the extra mile
Professor Colin B. Grant
BA, PhD, FHEA, FRSA
Vice President (International),
University of Southampton
Member of Universities UK International Strategic Advisory Boards
Member of the British Council Education Advisory Group
Chair, Russell Group International Forum
"Parents are aware of the need to enhance their children's life chances through higher education, and the trend towards market-relevant STEM and business / finance subjects across different regions, especially in Asia, is clear."
“家长们了解通过高等教育、让孩子拥有更好人生的必要性，在不同地区，与市场相关的STEM学科（科学、技术、工程和数学）以及商业/金融学科都更为热门，这种趋势在亚洲尤为明显。”
更高期望
High aspirations
Parents in China are optimistic their children will reach their full potential and be successful in the future.
中国家长对孩子充分实现潜能、在未来取得成功持乐观态度。
The majority (84%) of parents are confident their child will have a bright future, while 80% are confident their child will get top grades in their exams and 78% are confident they will get a great job.
多数家长(84%)相信孩子拥有美好的未来，80%的家长相信孩子能在考试中取得佳绩，78%的家长相信孩子能找到好工作。
Parents in the Pearl River Delta are more likely to be confident that their child will have a bright future (87%) and get top grades in their exams (83%), than parents across other regions of China (81% and 77% respectively).
珠三角地区家长更相信孩子拥有美好未来(87%)并在考试中取得佳绩(83%)，中国其他地区 持相同观点的家长比例分别为81%和77%。
Parents who are considering a university education abroad are more likely to be confident that their child will get a great job (82%) than those who are not (74%).
考虑让孩子出国读大学的家长更相信孩子能找到好工作(82%)，不考虑让孩子出国的家长中，持相同观点的比例为74%。
Parents are optimistic about their child's future
家长对孩子的未来持乐观态度
84% are confident their child will have a bright future
84%的家长相信孩子将拥有美好的未来
80% are confident their child will get top grades in their exams
80%的家长相信孩子能在考试中取得优异成绩
78% are confident their child will get a great job
78%的家长相信孩子能找到好工作
打好基础
On the starting blocks
Parents are going the extra mile to ensure their children have a good start in life.
为确保孩子赢在起点，家长们早早开始行动。
Many parents (61%) started making plans for their child's education, and 53% started making funding decisions, before their child had begun primary education.
许多家长(61%)开始为子女教育制定计划，53%的家长在孩子上小学前就开始制定资金方面的决策。
Almost three-fifths (58%) are putting a child through paid-for education, and the vast majority (93%) are paying for private tuition or have done so in the past.
近六成(58%)家长让孩子接受自费教育，大多数（93%）家长目前或曾经给孩子上私人补习。
Parents in the Pearl River Delta are more likely to be paying for private tuition or to have done so in the past (97%) than parents in other regions of China (88%).
相比中国其他地区的家长(88%)，珠三角地区家长(97%)目前或曾经给孩子上私人补习的比例更高。
93% of parents are paying for private tuition or have done so in the past
93%的家长目前或曾经给孩子上私人补习
不惜牺牲
Making sacrifices
Apart from financial commitments, most (74%) parents are ready to make personal sacrifices for their child to succeed. To support their child's education, a third (33%) of parents have forfeited 'me time' and/or given up hobbies, and the same proportion (33%) have either drastically reduced or completely stopped leisure activities and holidays.
除了财务承诺外，多数(74%)家长准备为孩子的成功而作出个人牺牲。为了支持子女的教育，三分之一(33%)的家长已放弃“个人时间”和/或放弃个人爱好，还有相同比例(33%)的家长大幅减少或完全停止了闲暇活动和休假。
Parents with a child at university or college (40%) are more likely to have reduced or completely stopped leisure activities/ holidays, compared to parents with a child in secondary (35%) or primary education (29%). Parents in the Pearl River Delta (28%) are less likely to have forfeited 'me time' than parents in other regions of China (39%).
相比中学生家长(35%)和小学生家长(29%)，大学生家长更可能减少或完全停止闲暇活动和休假(40%)。相比中国其他地区的家长(39%)，珠三角地区的家长(28%)不太可能放弃“个人时间”。
Despite making these sacrifices, parents are still not sure they are doing enough. Nearly three-quarters (72%) worry that they are not doing the best for their children.
即便作出了这些牺牲，家长们仍不确定自己是否尽力。近四分之三(72%)的家长担心没有为孩子付出全部。
Personal sacrifices parents are making to support their child's education
家长为支持孩子教育而作出的个人牺牲
33% Forfeited 'me-time' and/or given up hobbies
33%放弃“个人时间”和/或放弃爱好
33% Drastically reduced or completely stopped leisure activities and holidays
33%大幅减少或完全停止闲暇活动和休假
32% Developed different social circles
32%发展不同的社交圈
24% Changed working style
24%改变工作方式
教育支出
Spending on education
Parents see their children's education as an essential investment in their future, but it can be costly. From buying school uniforms to paying university fees, parents fund many expenses for their children's education.
家长将子女教育视为未来的核心投资，但这笔投资的代价不菲。无论是购买校服，还是支付大学费用，家长为子女教育承担了各类支出。
On average, parents say they spend USD42,892 (USD50,200 if paid-for, USD37,858 if state-funded) on their child's primary, secondary and tertiary education up to undergraduate level*.
平均而言，家长为孩子的小学、中学和大学（直至本科生水平）教育的支出为42,892美元（自费教育为50,200美元，公立教育费用为37,858美元）*。
Education level 教育水平 | Average spend (USD)* 平均支出（美元）* |
Primary school小学 | 12,876 |
Secondary school中学 | 14,712 |
University/college (undergraduate) 大学（本科） | 15,304 |
*Methodology in The research, Definitions研究方法，定义
Parents planning for their child to complete a postgraduate degree or attend university abroad can expect significant additional costs.
计划让孩子接受研究生教育或出国读大学的家长预计自己要承担高昂的额外支出。
USD42,892 average total spend on child' s education
孩子教育总支出的平均值为42,892美元
就业捷径
Gateway to employment
Nearly all (99%) parents would consider a university education for their child, with 95% considering postgraduate studies.
近乎所有(99%)家长都考虑让孩子接受高等教育，其中95%考虑让孩子接受研究生教育。
The vast majority (91%) of parents see completing a postgraduate degree as an important gateway for their child to get into full-time employment in their chosen occupation, the highest proportion surveyed equal with Indonesia.
大多数(91%)家长认为，取得研究生学历是帮助孩子在理想行业找到全职工作的重要途径。在调查中，中国和印度尼西亚家长持这种观点的比例最高。
Business, management and finance (20%) is parents' most preferred university course for their child to study, with medicine (13%), computer and information sciences (10%), law (9%) and art and design (6%) making up the top 5 most favoured courses.
家长最希望孩子学习的大学课程为商业、管理和金融(20%)，这与医学(13%)、计算机和信息科学(10%)、法律(9%)、艺术和设计(6%)共同构成五大最热门学科。
95% of parents would consider a postgraduate education for their child
95%的家长会考虑让孩子接受研究生教育
坚定支持
Unwavering support
Most parents (94%) with a child in university or college education are contributing to their funding, and of parents considering postgraduate education for their child, 90% expect to contribute towards funding that too.
在子女是大学生的家长中，多数(94%)家长提供子女的教育资金；在考虑让孩子接受研究生教育的家长中，90%的家长预计自己需要承担这笔费用。
In hindsight, more than a quarter (29%) of parents wish they had put more money aside for their child's education, while 28% wish they had taken professional financial advice and 27% wish they had started saving earlier.
在事后分析中，超过四分之一(29%)的家长希望备有更多的资金用于子女教育，28%的家长希望当时采纳了专业的财务意见，27%的家长希望提早开始储备。
A third (33%) of millennial parents wish they had started saving earlier, compared to less than a quarter (24%) of parents from earlier generations.
三分之一(33%)的千禧代家长希望提早开始储备，而较年长的家长中，有同样想法的比例不到四分之一(24%)。
Most parents are helping to fund their child's current stage of education
多数家长资助孩子现阶段的教育
95% Primary 小学
93% Secondary 中学
94% Tertiary 大学
未雨绸缪
Planning ahead
More than three-quarters (80%) of parents are funding their child's education from day-to-day income, while over half (55%) are using general savings, investments or insurance, and over two-fifths (43%) are using a specific education savings or investment plan.
超过四分之三(80%)的家长以常规收入来提供子女的教育费用，逾半数(55%)家长使用一般储蓄、投资或保险，逾四成(43%)家长采用特定的教育储蓄或投资计划。
Parents in the Pearl River Delta (46%) are more likely to be using a specific education plan than parents in other regions of China (39%).
相比中国其他地区家长(39%)，珠三角地区家长(46%)更可能采用特定的教育计划。
Many parents are making or have made a range of financial sacrifices to help fund their child's education. Forty-nine percent have reduced their expenditure on leisure activities, 29% have contributed less towards their own long-term savings or investments, 20% have worked extra hours in their existing job and 18% have contributed less towards their own retirement savings.
许多家长目前或已经作出了各种财务牺牲，以支持子女的教育支出。49%的家长已缩减闲暇活动的支出，29%的家长减少对个人长期储蓄或投资的投入，20%的家长延长了现有工作时间，18%的家长减少了对个人退休储蓄的投入。
How parents fund their child's education
家长如何承担子女教育费用
80% Day-to-day income
常规收入
55% General savings/ investments/ insurance
一般储蓄／投资／保险
43% Specific education savings/ investment plan
特定教育计划／投资计划
5% General borrowing
一般借贷
2% Inheritance/other lump sum
继承／其他一次性付款
小调研
声明
About hsbc 关于汇丰
相关内容回顾