Although the income is high or low, every family tries to provide the best environment for their children in terms of education expenditure, so education expenditure has become a heavy burden for most urban and rural families.
Generally speaking, middle-aged residents have the highest contribution rate to consumption. And this group of people just have to face the problem of children's education expenditure around 15 years. With the continuous increase of education expenditure in recent years, residents' desire to save has increased, and consumers have become the main consumers, thus restricting the immediate consumption of urban and rural residents in China.
Farmer Qu Kun:
It is difficult to educate a child in the countryside.
Qu Kun, a farmer in Shenbei New District, Shenyang, just bought a house on the street in the development zone. The house price was 6.5438+0.6 million yuan, and the down payment almost consumed the "deposits" of parents and his two generations, and also borrowed tens of thousands of yuan from relatives.
"If the children didn't go to primary school in the second half of the year, I wouldn't make up my mind to buy a house in the city. Qu Kun's family of five is still a rural hukou, and there is land at home, earning seven or eight thousand yuan a year. He and his wife work in a brake valve company in the development zone, earning 4,000 yuan a month. Even in the countryside, such families are not rich.
"When children go to kindergarten, the monthly tuition and food expenses will be more than 1000 yuan, which is almost14 of the family income. Studying in the city in the second half of the year, earning at least 1500 per month. He said that this does not include temporary meals and miscellaneous expenses. There are also primary schools in the village. Although the cost is lower than that in the city, the quality of education is not trustworthy. " There are more than 0/0 teachers and only 20 students. The teacher failed! But I can't. Who will be a good teacher in the countryside? Everything that can go has gone.
After buying a new house, Qu Kun's family has to pay back the mortgage of 1000 every month, so they have to live more carefully. "According to the current income, it is no problem to go to primary school, and the tuition fees in the future will have to take a long-term view. In order to reduce the pressure of tuition fees in high schools and universities, Qu Kun was persuaded to buy a "Hongyun Children's Business Dividend Insurance" when the child was 1 year old. From 1 year-old to 15-year-old, 1.7 million was paid in one year, and high schools and universities can pay back 40,000. Qu Kun is very proud of this decision. " Even if I have no money, I will borrow money to pay the premium first. We farmers, with low income, know nothing about stock trading and financial management. To buy this insurance is to force yourself to save some money, and don't wait for the children to need it.
Now Qu Kun often takes his children to the city to see the buildings he has built and the nearby primary schools. "I have to let him know that my home is for him to go to school. I have ambition, but I have no money. If he doesn't study and change his family, he will have to come back to farm in the future! Qu Kun said.
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In rural areas, due to the policy of exempting tuition, books and subsidized meals from compulsory education in recent years, the direct education burden of farmers' families has been greatly reduced.
However, with the adjustment of the layout of rural schools and the concentration of teaching resources, a large number of new family education expenditures, such as transportation, meals, accommodation and so on. , increasing the other running costs of rural students.
In addition, with the acceleration of urbanization, many rural schools are facing the serious problem of "insufficient students and teachers", which makes rural students have to go to cities to go to school. The scene of "walking along the mountain road with brazier and carrying red taro into the classroom" is sad.
In some underdeveloped rural areas, education expenses have become the most important expenditure for farmers, and many families are burdened with heavy debts. A survey of 40 local farmers in Baicheng City, Jilin Province shows that in 2008, the per capita education expenses of their children were 12562.5 yuan, accounting for about 60% of the total family income, and the per capita education expenses of their children were equivalent to the net income of four farmers for one year.
Civil servant Cai Xiyuan:
Before her daughter graduated from college, she dared not spend money casually.
Cai Xiyuan is a civil servant in a prefecture-level city in Henan Province, with a monthly income of about 3,600 yuan. My wife is in a public institution with a monthly income of 2000 yuan. "In our place, compared with our peers, our income is not bad.
However, it is not easy for Cai Xiyuan to carefully count household expenses. "There is basically no high consumption at home. Our daughter has just entered the third grade, and we dare not spend money casually until she graduates from college.
Cai Xiyuan has to pay more than 4,400 yuan per semester for her children to attend a small class in a good local junior high school. Besides, she has to pay 500 yuan's fees for books, exams and materials almost every semester. "Rice is divided into three grades, 6 yuan, 8 yuan, 10 yuan. Our children are growing up. If he eats a mid-range food every day, 22 days a month, he can get 176 yuan, which is close to 200 yuan. Cai Xiyuan said that the money is still "in". If you add "tuition", the average family will have a hard time.
"Mathematics, Chinese, foreign languages, physics and chemistry make up lessons once a week, and a course costs 300 to 450 yuan every month. You calculate, if the child's homework is almost complete, five courses have to be filled. How much do you have to pay at home? ! Besides, I also make up lessons in winter and summer vacations. 400 yuan for 20 days, my child's own class teacher and class teacher are in class. " If you don't take a new class, you can't keep up. You have to pay if you go. Parents can't say' no'.
"I have checked many remedial classes before, but it is often a gust of wind. Teachers are also very "refined", and they all wait until the end of make-up classes before collecting money. Anyway, parents dare not blame. Cai Xiyuan said.
"However, to be honest, we can understand the teacher's practice. First, in the current exam-oriented education, the teacher is responsible for your child's future by making up lessons for your child; And the teacher's salary is too low. The salary of middle school teachers is about one month 1800, which is worse than that of migrant workers who go out to work. Really can't reflect their efforts.
Cai Xiyuan said that with the current family income, it is not a problem for children to go to college, but they dare not expect to send their children abroad in the future. "Hundreds of thousands a year, the house can be bought at home. If it doesn't matter after returning home, you may not even find a job. Not worth it! Cai Xiyuan said that he has relatives in the county and rural areas. After graduating from high school, he simply sent his children to "blue-collar cradles" such as technical secondary schools and technical schools. First, the tuition is low, and second, it is reliable to find a job. " The burden of education is heavy, and many families simply have no ability to let their children choose their own lives. Cai Xiyuan said.
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At present, although the tuition fees in compulsory education are exempted, parents still have to face various "expenses", such as tuition fees, school selection fees, sponsorship fees, accommodation fees and so on. "The phenomenon of charging for free is everywhere. According to the audit report of the National Audit Office in 2009, from 2006 to 2007, the education departments and schools in 19 cities across the country illegally collected 502 million yuan in school selection fees, make-up fees and sponsorship fees.
Education expenditure has the greatest impact on the consumption expectations of middle-income groups-they can neither "care" about various tuition and fees linked to "scores" like high-income groups, nor dare to think so thoroughly like low-income families. In this case, the "benefits" of the country's increasing investment in education year by year will be offset, and even the middle-income families, the backbone of expanding consumption, will fall into the dilemma of "as long as there is a school baby at home, they dare not spend the money they want".
White-collar Sun Xue:
It costs at least 220 thousand to graduate from kindergarten to primary school
Sun Xue and his wife both work in foreign companies in Beijing, and their annual income is about 300,000 yuan. Their son is in the third grade of primary school this year. The couple are busy at work, and the children go to boarding primary school.
Sun Xue said that although the income is ok, the big expenses at home are not only the mortgage, but also the children's education expenses. "Cross-school district sponsorship fee is 30,000 yuan, the annual tuition and food fee is more than 1 10,000 yuan, the piano fee is more than10.2 million yuan, and other sporadic expenses are one or two thousand yuan. In order to let the children pass the English exam, we enrolled in a' one-on-one' intensive learning remedial class, charging 200 yuan every hour, which is about 20,000 yuan a year. After the fourth grade, we should consider the problem of' junior high school' and plan to enroll our children in an Olympic math remedial class, which is like' burning money' and costs a lot.
Sun Xue calculated that it would cost at least 220,000 yuan to get from kindergarten to primary school.
Sun Xue lives in Chaoyang District, but plans to send her children to school in Haidian or Xicheng District. Reluctant to let children run back and forth, but also consider buying a house or renting a house nearby. "The school district is horribly expensive. Some people say that you can buy a villa in Sydney by buying 1 bedroom next to the middle school attached to the National People's Congress. The rent is outrageous! Sun Xue said that after high school, facing the pressure of college entrance examination, the money spent on remedial classes will definitely increase. If a university goes abroad to study, it costs hundreds of thousands or millions.
"Although the income is not low, the family is still quite economical. I never buy designer clothes and bags, and we don't have the' high-end' consumption of going abroad for a holiday. Save it for the sake of the children. Sun Xue said.
"When I enrolled my son in an English remedial class, he joked that he was the last one in the class to eat extra-curricular meals. Now 49 children in the class are wiped out! Sun Xue said that the children's classmates and families are similar, and most of their parents are "immigrants" who left Beijing after graduating from college. They struggled all the way for fear that their children would "fall behind". Nevertheless, it is somewhat irrational to invest heavily in high-standard extracurricular education. "But this is the general trend, there is no way! Sun Xue said.
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"Can't let children lose at the starting line. How many parents are inspired by this sentence to spend money to train their children? How many families are entangled in the choice of exam-oriented education and ability education? Therefore, on the one hand, in order to cope with the college entrance examination, let children enter various remedial classes, on the other hand, emphasize the cultivation of children's ability-piano, dance, technology ... nothing can be left behind; Going to a good kindergarten, then going to a good primary school, junior high school, senior high school and finally getting into an ideal university has become a five-part life program designed by most parents for their children. From birth to college, children and parents are exhausted.
Among them, there are parents' own "blindness" and helpless difficulties-if there are no household registration restrictions and various "fences" for choosing schools across regions, there is no need to send children to learn the Olympics and learn their specialties to overdraw their childhood happiness; If there is no shortage of high-quality university resources, why "extra-curricular tutoring" for grades?
Although the state has expressly stipulated for a long time that public schools in the compulsory education stage should adhere to the principle of allowing students to enter the school nearby without examination, the phenomenon of school choice has always existed in various places and is getting worse. Some experts pointed out that while increasing the investment in education and the total supply capacity of social education, the government must strive to improve the supply structure and reduce the extra education cost for the "unbalanced supply" of urban and rural families.
4 boss gold:
Spend a lot of money to send children abroad to study in universities.
The assets of the Jin family that started business in Beijing have exceeded10 million. My daughter's preschool stage is just the beginning of Jin's business. The couple are busy and send their children to a private kindergarten. "It cost more than 300,000 yuan, and the effect is not bad.
Children's household registration is in Xuanwu District, and junior high school and high school are in Dongcheng and Haidian District. School selection fees, tuition and rent, as well as oral English and TOEFL remedial classes, will cost tens of thousands in a few years.
Jin said that her daughter, who is in senior three, has applied to study abroad at her own expense, so she gave up taking the college entrance examination. The annual tuition and living expenses for studying abroad are about 50,000 dollars, and the four-year university will cost 6,543,800 yuan+5,000 yuan.
"Not a burden, I think this kind of investment is worthwhile. Jin said that he does not agree with the domestic education system, especially university education. " Inhumanity, sea tactics and test pressure stifle children's creativity and fail to cultivate real talents. In contrast, although the top universities in the world charge a lot of money, they have better educational resources and can provide children with a more comprehensive education and global vision. It is worthwhile to spend more money.
Kim's daughter chose to major in art history at Indiana University. "The child has artistic talent, and I have provided her with a good economic foundation. She doesn't have to worry about her future income after graduation, and she doesn't have to be like some difficult families. When children enter the university, they should consider whether they can repay their tuition debts after graduation in the future.
Jin said that many of his friends sent their children to study abroad. "To put it bluntly, we are just more willing to spend more money to let our children receive the best education possible. After all, there is only one child, and these things cannot be sloppy.
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According to the data of the Ministry of Education, in 20 10, nearly 1 10,000 students in China gave up the college entrance examination, and 2 1% of them studied abroad. At the same time, the number of SAT applicants in China, known as the "American College Entrance Examination", soared from one or two hundred in 2003 to 1 10,000 this year. Many families would rather bear great financial pressure than send their children abroad.
More and more China children go abroad to study in universities, which on the one hand reflects that foreigners have more money and broader horizons, and on the other hand reflects the problem of insufficient supply of high-quality higher education in China. It should be clear that higher education is not only the selection of talents, but also the consumption to meet the personal development needs of residents. Only by accelerating the industrialization of higher education, making the competition between universities more intense and making the educational products provided by universities more high-quality and cheap can we effectively meet the educational needs of residents and reduce their educational burden.