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xiao Yang
My parents’ home in a Hebei village
I don’t know whether other young people accept the idea, but for me, a post-80s born in a Chinese village, I am deeply influenced by the idea that saving money is important and I can’t accept the state of being in debt.

我父母在河北一個村莊的老家：
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我不知道其他年輕人是否接受這個想法，但對我來說，作為一個出生在中國農(nóng)村的80后，我深受存錢很重要的觀念的影響，我不能接受負(fù)債的狀態(tài)。

I studied hard since in an elementary school in a village. My family was not well-off, but I was determined to pass the exam to continue my junior and senior middle school study in a city. I did it and was recruited by the best senior middle school in a Hebei city in 1998. But it required 3000 yuan tuition for the three years study. It was a heavy burden on my family.

我從一所鄉(xiāng)村小學(xué)開始努力學(xué)習(xí)。我的家庭并不富裕，但我決心通過考試，繼續(xù)在一個城市讀初中和高中。我做到了，并于1998年被河北省一所最好的高中錄取。但三年的學(xué)習(xí)需要3000元的學(xué)費。這對我的家庭來說是一個沉重的負(fù)擔(dān)。
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Thanks to my parents. They are farmers and toil on the fields from dawn to dusk, they want me to get rid of the hard farm working and start a new life. My mum rode a bicycle, I sitting on the back, to borrow the tuition from my grandparents. I always think I am good enough and never disappoint my parents. I was recruited by a college in Beijing during China’s national college exams.

感謝我的父母。他們是農(nóng)民，從早到晚在田里辛勤勞作，他們希望我擺脫繁重的農(nóng)業(yè)勞動，開始新的生活。我媽媽騎著自行車，我坐在后面，向祖父母借學(xué)費。我一直認(rèn)為我足夠好，從不讓父母失望。在中國高考期間，我被北京的一所大學(xué)錄取了。

I am deeply influenced by the growing-up environment and started saving money since my college study. At that time, I did three part-time jobs to teach middle school students. In 2015, I bought my own house in Beijing. I paid the down payment all by myself, with loans from the bank, without borrowing money from others. Saving money is important.

我深受成長環(huán)境的影響，從大學(xué)畢業(yè)就開始存錢。當(dāng)時，我做了三份兼職工作，主要是教中學(xué)生。2015年，我在北京買了自己的房子。我自己付了首付款，從銀行貸款，沒有向別人借錢。省錢很重要。

Richard Teo
A good trait for anyone in the world - not only in China.
And there are good debt and bad debt. Borrowing to buy assets (especially own house for staying/living) is GOOD.
Borrowing to buy “wants (branded cloths and such like ” is bad! Borrowing to buy second home for speculation is BAD!

這對世界上任何人來說都是一個很好的品質(zhì)，不僅是在中國。
有好債務(wù)和壞債務(wù)。借錢購買資產(chǎn)（尤其是自己住的房子）是好的。
借錢買“想要的（品牌服飾、類似的東西）”是不好的！
借錢買第二套房子投機(jī)是不好！

Khan Norfolk
100% agreed with.

100%同意。

Joseph Lee
Sister xiao Yang, I am sure your family are very proud of you and so do I. You are an excellent example for all younger and older Chinese people to follow.

xiao Yang 姐姐，我相信你的家人都為你感到驕傲，我也是。你是所有中國年輕人和老年人應(yīng)該效仿的好榜樣。

xiao Yang
Thanks for your praise.

謝謝你的贊美。

Karl Yap
Congratulations! I understand and I agree.

恭喜！我理解并同意。

Peter Yip
Saving money is always good even when it is enforced by law like what we do in Singapore. 20% from employee and 17% from employer are paid to our own Central Provident Fund account from our monthly salaries. The funds are not pooled and follow us when we change employers. Subject to some limits, we are allowed to utilise these fund to buy subsidised homes, pay subsidised medical bills and invest in approved investment schemes. Upon retirement, only cash balances from the Special and Ordinary accounts are transferred to the Retirement Account and we get monthly payments till we pass on. Medisave balances remain to pay for our medical needs. Balances for all accounts will be combined after death and that will be distributed to the spouse and offsprings.

省錢總是好的，我們在新加坡法律會強(qiáng)制執(zhí)行省錢計劃。員工20%和雇主17%，從我們的月薪中支付到我們自己的中央公積金賬戶。當(dāng)我們更換雇主時，這些資金不會匯集在一起并返還給我們。在某些限制下，我們可以利用這些資金購買補(bǔ)貼住房，支付補(bǔ)貼醫(yī)療費用，并投資于批準(zhǔn)的投資計劃。退休后，只有特殊和普通賬戶的現(xiàn)金余額才會轉(zhuǎn)入退休賬戶，我們每月都會收到付款，直到我們?nèi)ナ馈ａt(yī)療儲蓄余額仍用于支付我們的醫(yī)療需求。所有賬戶的余額將在死亡后合并，并分配給配偶和后代。

Wei Wan

學(xué)霸

Anthony Yeung
I salute your achievements and the selfless support you got from your family. It makes the world a better place.

我向你的成就和你從家人那里得到的無私支持致敬。它使世界變得更美好。

K P Lee
Well done and you made your parents proud

做得好，你讓你父母感到驕傲

Myron Sanderson
Works for me too!

我也這樣！
原創(chuàng)翻譯：龍騰網(wǎng) http://m.top-shui.cn 轉(zhuǎn)載請注明出處

Charlie Lee
I was 5 when my father passed away. My mother does not have an education but she has a good mind. She wants to make sure and determine that I have an education. I struggle getting help from our relatives . I finally work through my college and graduated chemical engineering. I was lucky to received a scholarship and to my grad school in Cleveland, Ohio . I graduated , get experienced and open my design and engineering company with 10 process engineer building biotech plant . I was blessed to designed and engineered a biotech facility that produced clinical meterial to successfully treat non Hodgkin’s lymphoma.. I also save money bought two houses and gave each one to my sons , I consider myself blessed now that I am retired . Success is to focus And your aim will become true

我父親去世時，我5歲。我媽媽沒有受過教育，但她頭腦很好。她想要確保和確定我可以接受教育。我很艱難的從親戚那里得到了幫助。我終于完成了大學(xué)學(xué)業(yè)，畢業(yè)于化學(xué)工程專業(yè)。我很幸運地獲得了獎學(xué)金，并進(jìn)入了俄亥俄州克利夫蘭的研究生院。我畢業(yè)了，積累了經(jīng)驗，開了一家設(shè)計和工程公司，有10名工藝工程師的建造生物技術(shù)的工廠。我很幸運能夠設(shè)計一個生物技術(shù)設(shè)施，生產(chǎn)臨床材料，成功治療非霍奇金淋巴瘤。我還存錢買了兩套房子，每一套都給了我的兒子們，現(xiàn)在我退休了，我覺得自己很幸運。成功就是專注，這樣你的目標(biāo)就會實現(xiàn)。

Oileng Lai
Excellent MENTALITY.. Remember to APPRECIATE your parents and grandparents. Now technology can do the hard farming and reap greater and better harvest.. LET'S PROGRESS WITH LOVE AND SERENITY

優(yōu)秀的思維方式。記得要感激你的父母和祖父母?，F(xiàn)在，技術(shù)可以取代過去艱苦的耕種模式，收成也更好了。讓我們在愛與寧靜中前進(jìn)。

Liu Asum
You recalled me the memory in Tangshan first Senior middle school. It's location in south west corner of Tangshan. I graduated in 1997.

你讓我想起了唐山第一高級中學(xué)的記憶。它位于唐山市西南角。我于1997年畢業(yè)。

Eric Yap
Very happy and proud of you. Do remember that money doesn't mean everything too.
Be happy and stay healthy.

我為你感到高興和驕傲。請記住，金錢并不意味著一切。
保持快樂和健康。

Jinghui Chen
The opposite is true:
Nowadays more and more young people in China are borrowing as much as they can, then using some legal loopholes to hide their assets and to prevent default penalty in a very ingenious way.

事實恰恰相反：
如今，越來越多的中國年輕人盡可能多地借貸，然后利用一些法律漏洞隱藏他們的資產(chǎn)，并以一種非常巧妙的方式防止違約處罰。

Mario Cassini
Honourable story thanks for sharing!

值得欽佩的故事，感謝分享！
Nari Kei(秋霞)
原創(chuàng)翻譯：龍騰網(wǎng) http://m.top-shui.cn 轉(zhuǎn)載請注明出處

There was a time when Ant Financial Services attempted to replace the banks, attempted to go public in violation of regulations, and recommended small loans to young people. At that time, there were also many other private loans, and many young people at that time preferred to overdraw their income. Later, illegal high interest loans were cracked down on, and the illegal operations of Ant Financial Services were also corrected. Small loans have become low-key after that.

曾經(jīng)有一段時間，螞蟻金服試圖取代銀行，試圖違反規(guī)定上市，并向年輕人推薦小額貸款。當(dāng)時，還有許多其他私人貸款，當(dāng)時的許多年輕人更喜歡透支收入。隨后，國家打擊了非法高利貸，螞蟻金服的非法經(jīng)營也得到了糾正。在那之后，小額貸款變得低調(diào)。
原創(chuàng)翻譯：龍騰網(wǎng) http://m.top-shui.cn 轉(zhuǎn)載請注明出處

The biggest loans people faced before were house loans, then car loans - we don't really need to save money for higher education. In the past few years, property purchases were relatively cautious, and there was also a decrease in speculation. Due to the expenses during the epidemic, many people tried to save money in the previous period. Nowadays, people's entertainment activities are recovering, and savings behavior may also be relatively reduced a little.
In regular consumption, some people use installment payments, which are more common among young people than among the elderly, but most people do not overdraw. Without capital to lure young people like credit card companies in the US, so everyone's situation is still good now.
The quality of a nation is not easily changed, and China's diligence and frugality are inherited.

人們以前面臨的最大貸款是住房貸款，然后是汽車貸款——我們真的不需要為高等教育存錢。過去幾年，購房相對謹(jǐn)慎，投機(jī)也有所減少。由于疫情期間的開支，許多人在前一時期試圖省錢。如今，人們的娛樂活動正在復(fù)蘇，儲蓄行為也可能相對減少一點。
在常規(guī)消費中，一些人使用分期付款，這在年輕人中比在老年人中更常見，但大多數(shù)人不會透支。沒有像在美國那樣的信用卡公司來吸引年輕人，所以現(xiàn)在每個人的處境都很好。
一個民族的素質(zhì)是不易改變的，中國的勤儉節(jié)約是被繼承下來的。

Robert Quek
I don’t really know. I am not aware of any study or survey to try to get a picture of it.
My observation is the young people are more adept to debt than their elders. They have a better life experience, more ambitious, and more confident about the future, their prospects and that of the country. This is particularly true of the young middle-class Chinese in the tier-1 cities.

我真的不知道。據(jù)我所知，沒有任何研究或調(diào)查試圖了解它。
我的觀察是，年輕人比他們的長輩更善于負(fù)債。他們有更好的生活經(jīng)歷，更有野心，對未來、自己和國家的前景更有信心。一線城市的年輕中產(chǎn)階級尤其如此。

One area that attracted much attention prior to the present doldrums in the residential market was strong speculative buying of homes in Shanghai. Many young people were reported to have gone on high leverage to buy several homes, seeing it as the way to get rich quickly.
It may be that this has troubled x and the government to frx the policy to moderate the debt level and financial leverages in the country. He must have known of the speculative activities on homes when he said that homes are to live in, not for speculation. This is still the policy.

在目前住宅市場低迷之前，一個引起廣泛關(guān)注的領(lǐng)域是上海強(qiáng)烈的投機(jī)性購房。據(jù)報道，許多年輕人利用高杠桿購買了幾套房子，認(rèn)為這是快速致富的途徑。
這可能困擾著政府，他們制定政策，以緩和該國的債務(wù)水平和金融杠桿。國家說房子是用來住的，不是用來投機(jī)的，上層一定知道房子上的投機(jī)活動。這仍然是政策。

Indeed, the 3 red lines regulation had its focus on speculations, against the land speculations by property developers, as well as, against the speculations on homes by individuals, such as the situation in Shanghai.

事實上，三條紅線規(guī)定的重點是投機(jī)，反對房地產(chǎn)開發(fā)商的土地投機(jī)，也反對個人對房屋的投機(jī)，比如上海的情況。

The government sees too much debt creates the wrong incentives. But this is a new age. The young may not see that debt and savings are mutually exclusive. They are not against savings per se. They also want to make investments, which often means to also go into debt. What is the balance? The government has a delicate task to try to influence the attitude of the younger Chinese people.

政府認(rèn)為過多的債務(wù)會產(chǎn)生錯誤的激勵措施。但這是一個新時代。年輕人可能看不到債務(wù)和儲蓄是相互排斥的。他們本身并不反對儲蓄。他們還想進(jìn)行投資，這通常意味著也要負(fù)債。平衡是什么？政府有一項微妙的任務(wù)，試圖影響中國年輕人的態(tài)度。

Aozao Zhou
I think the young people of China have gone through a story of opposing their fathers and then copying their fathers.
Young people born between 1980-1995, who graduated from university at a time when China's economy was growing by leaps and bounds, saw their incomes grow very fast and house prices rise very quickly, so people in this period liked to take out large loans to buy property.

我認(rèn)為中國的年輕人經(jīng)歷了一個反對父親然后模仿父親的故事。
1980年至1995年間出生的年輕人，在中國經(jīng)濟(jì)突飛猛進(jìn)的時候從大學(xué)畢業(yè)，他們的收入增長很快，房價上漲很快，所以這一時期的人喜歡借大額貸款買房。

Young people born after 1995 are not quite the same, when they graduated from college, the housing prices in China's big cities were already very scary, so many of these young people became the "flat generation", they refused to work overtime, refused to buy a house, refused to get married, and refused to have children. They refuse to work overtime, buy a house, get married, or have children. Of course, they don't have much savings, they just enjoy life.

1995年以后出生的年輕人不太一樣，當(dāng)他們大學(xué)畢業(yè)時，中國大城市的房價已經(jīng)非?？膳拢赃@些年輕人中的許多人成為了“躺平一代”，他們拒絕加班，拒絕買房，拒絕結(jié)婚，拒絕生孩子。他們拒絕加班、買房、結(jié)婚或生孩子。當(dāng)然，他們沒有多少積蓄，他們只是享受生活。

Freddie Chen
Well, loving accumulating wealth is one of human‘s nature. I do not think that Chinese young people will be the exception here.
Compare with elder generation, things definitely go different with young people. Savings are important, however, good quality life is also important.
Here is the main difference, China is now a manufacturing power compare with old days which means you can really use limited money to enjoy the life.

嗯，愛積累財富是人類的天性之一。我不認(rèn)為中國年輕人會是例外。
與老一輩人相比，年輕人的情況肯定不同。儲蓄很重要，但高質(zhì)量的生活也很重要。
主要區(qū)別在于，與過去相比，中國現(xiàn)在是一個制造業(yè)大國，這意味著你真的可以用有限的錢來享受生活。
原創(chuàng)翻譯：龍騰網(wǎng) http://m.top-shui.cn 轉(zhuǎn)載請注明出處

Thinking about that normal daily using household appliances were luxury days. Take TV as example, set the price aside, there was no such many channels and contents provided not even mention the power supply in old days.
To be simple, it was luxury and not an essense of life. And that is how money saved and mass of all were having the same life standard with you.

想到日常使用家用電器是奢侈的日子。以電視為例，撇開價格不談，以前沒有這么多頻道和內(nèi)容，更不用說電源供應(yīng)方面的問題了。
簡單地說，這是奢侈，而不是生活的本質(zhì)。主要問題就是：如何省錢，并享受大多數(shù)人都擁有的生活水平。

Nowadays, living habits are different. With lowest income, you can still purchase most industrial products like rich people. Difference? They can have good quality and supreme service while you can only have lower range products.
All those things are picking your pocket to lure you spending more money than elder generation. XD

如今，生活習(xí)慣不同了。在收入最低的情況下，你仍然可以像富人一樣購買大多數(shù)工業(yè)產(chǎn)品。區(qū)別？他們可以提供優(yōu)質(zhì)的產(chǎn)品和一流的服務(wù)，而你只能擁有低檔的產(chǎn)品。
所有這些東西都在掏空腰包，引誘你比老一輩人花更多的錢。免息的。

Chinese young generation definitely is more willing to spend money than elders. Well, most in a proper degree since that we still love savings.
Last but not least, property price and mortgage was not exsiting in the days of old generation. .That is debt. LM

中國年輕一代肯定比老年人更愿意花錢。好吧，但是，我們?nèi)匀幌矚g儲蓄。
最后但同樣重要的是，在老一輩的時代，房價和抵押貸款并不存在。這就是債務(wù)。哈哈。

Daniel Li
Chinese civilization is an agricultural civilization, which makes the Chinese very good at managing risk. Debt is an action with risk for the Chinese in general. The Chinese tend to use borrowing as a backup solution against financial risk rather than as a primary solution for cash flow, because when borrowing fails to address financial risk, there is usually no other underwriting solution, meaning it's all about bankruptcy.
Because of this mindset and spending habits, it is common for Chinese people to still choose savings and cash payments first.

中華文明是一種農(nóng)業(yè)文明，這使得中國人非常善于管理風(fēng)險。債務(wù)對中國人來說是一種有風(fēng)險的行為。中國人傾向于將借貸作為應(yīng)對財務(wù)風(fēng)險的備用解決方案，而不是現(xiàn)金流的主要解決方案，因為當(dāng)借貸無法解決財務(wù)風(fēng)險時，通常沒有其他承銷解決方案，這意味著一切都是為了破產(chǎn)。
由于這種心態(tài)和消費習(xí)慣，中國人仍然選擇儲蓄和現(xiàn)金支付為主。
原創(chuàng)翻譯：龍騰網(wǎng) http://m.top-shui.cn 轉(zhuǎn)載請注明出處

Yaozhou
Depends on family environment and background.
Rich families don't raise their children that way and want them to be confident and independent.
Poor families, with low incomes, are strict with their children and require them to make savings.

這取決于家庭環(huán)境和背景。
富裕家庭不會這樣撫養(yǎng)孩子，他們希望孩子自信獨立。
低收入的貧困家庭對孩子要求嚴(yán)格，要求他們儲蓄。
原創(chuàng)翻譯：龍騰網(wǎng) http://m.top-shui.cn 轉(zhuǎn)載請注明出處

Jo A Han
If during the current economic problems china is facing, having the above beliefs will definitely lead to deflation !!

在當(dāng)前中國面臨的經(jīng)濟(jì)問題中，如果持有上述信念，肯定會導(dǎo)致通貨緊縮??！

QA：年輕的中國人是否仍然堅持著長輩的信念：即債務(wù)是壞的，應(yīng)該避免，而儲蓄是好的和重要的？

QA：年輕的中國人是否仍然堅持著長輩的信念：即債務(wù)是壞的，應(yīng)該避免，而儲蓄是好的和重要的？