Space for lasam

公屋童儲蓄習慣較穩定

Posted on: June 27, 2010


(星島)2010年6月27日 星期日 05:30 (綜合報道)

(星島日報    報道)理大    獲政府委託為兒童發展基金計畫檢討,理大應用社會科學系副教授陳清海指,初步發現參加的七百五十名介乎十至十六歲兒童中,公屋兒童的儲蓄習慣較居住私人住宅的貧童穩定,與家庭要繳付較貴私人樓宇租金或供樓負擔有關;而居住深水埗、秀茂坪兒童斷供情況較嚴重,因家庭經濟困難多,支持子女固定儲蓄有較大難度。

  正就讀高中的青年亦是較穩定儲蓄者,而且子女每月常提醒父母「夠鐘」要儲蓄,他指,基金有效為兒童培養儲蓄、理財習慣。另一副教授丁惠芳指,由小培育理財習慣及訂立目標,可協助貧窮家庭兒童有更清晰理想,提升自信,她認為值得成為本港兒童發展政策,兒童發展基金檢討將於二○一二年完成。

  儲蓄可助貧童提升自信

  本港兒童發展基金概念,在美國    早於八十年代已推行,由華盛頓    大學社會發展中心主席Michael Sherraden創立,他早前來港分享有關兒童建立資產理念,他創下個人發展戶口計畫,獲美國聯邦政府支持及立法通過,現於四十個州的低收入家庭內推行。他指,家庭每月自願儲蓄十六美元    (即約一百二十五港元),無論有否工作,都積極儲蓄及獲政府、商界提供配對基金,每年聯邦政府大力支持斥資約十億美元,計畫有效令家庭建立長遠儲蓄大計成習慣,他將向世界銀行推廣,望擴至貧窮國家如肯亞、哥倫比亞推行。記者 張一華

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