□孔德淇 春节期间，压岁钱再次成为孩子们期待的"礼物"。近期，多家银行顺势推出"压岁宝""儿童存 单"等专属存款产品，凭借低门槛、利率上浮等优势吸引了众多家庭的目光。这笔承载着长辈祝福 与期许的金钱，既是传统习俗的延续，也是对孩子进行财商启蒙的绝佳契机。引导孩子学会储蓄 与规划，既能培养其勤俭的习惯，也能在取舍之间锻炼理性决策的能力；引导他们分享与感恩， 更能涵养仁爱之心与社会责任感。 如何管理压岁钱，是许多家庭面临的现实考题。有的家长习惯"代管"，孩子对这笔钱没有掌控 感，财商教育无从谈起；有的家长则完全放手，孩子随意花销，错失了培养自律的机会；还有的 家长盲目追求"钱生钱"，为孩子配置复杂的理财产品，不仅忽视了风险，也可能传递急功近利的 财富观。银行推出的压岁钱专属存款产品，为破解这一难题提供了新思路。通过设立亲子共管账 户，家长设定消费限额与场景，孩子在授权范围内自主支配，每一笔收支都清晰可见。这种方式 既保障资金安全，又赋予孩子适度的财务自主权，让压岁钱管理既有温度也有边界。 银行布局儿童金融服务，不仅是市场行为，更是对家庭财商教育需求的积极回应。财商，关乎孩 子认识、管理和创造财富的能力，是成长中的 ...

上海金融与法律研究院研究员杨海平对《证券日报》记者表示，当前金融市场竞争日趋激烈，为培育客 户消费习惯、夯实客群基础，并抢占家庭金融服务入口，儿童金融已成为银行的常态化业务。 杨海平同时提醒，家长在为孩子选择金融服务时，应优先选择与儿童认知水平相适配的产品与服务，同 时注意防范相关合规风险。 2月21日，鄞州银行发布公告显示，该行推出的"儿童存单"中，3年期新客资金可享受最高1.88%的定期 存款利率，单户限额10万元；50元至1万元额度的普通3年期"儿童存单"利率为1.55%。北京银行推出"小 京压岁宝"定期存款产品，3年期年化利率达1.75%，较该行同期普通存款利率有所上浮，起存金额1000 元。蒙商银行"压岁宝"3年期年化利率同样为1.75%，起存金额500元。北京农商行推出"阳光宝贝卡"专 属储蓄产品，起存金额1000元，1年期、2年期、3年期年利率分别为1.5%、1.6%、1.75%，远高于该行 同期限定期存款1.15%、1.2%、1.3%的挂牌利率。 除定期存款外，多家银行还结合儿童财商教育需求推出配套的账户服务。招商银行（600036）手机App 上线"金小葵"专区，主打压岁钱专属管理，家长可在 ...

Core Insights - The article highlights the growing trend of children's financial education and the role of banks in providing tailored financial services for children, emphasizing the importance of instilling financial literacy from a young age [1][2][6]. Group 1: Children's Financial Services - Banks are increasingly offering specialized financial products for children, such as dedicated savings accounts and financial management tools, to help them manage their money effectively [4][5]. - Beijing Bank launched the "京萤计划" (Jingying Plan) to provide a range of children's financial services, evolving from version 1.0 to 3.0, which includes features for family interaction and digital management [2][3]. - Other banks, like China Merchants Bank and Minsheng Bank, have introduced innovative services like "金小葵管家" (Golden Little Sunflower Butler) and "财富小管家" (Wealth Little Butler) to cater to the financial needs of children and their parents [2][3]. Group 2: Financial Literacy and Education - The concept of financial literacy for children is gaining traction among parents, who are increasingly focused on teaching their children about money management [1][6]. - Banks are creating child-friendly environments in their branches, including dedicated areas for financial education and activities, to engage children in learning about finance [3][5]. - The collaboration between banks and educational institutions has led to numerous events aimed at promoting financial literacy among children, with over 30,000 activities held [3]. Group 3: Market Trends and Future Directions - The children's financial market is seen as a significant growth area for banks, with the potential to enhance overall family banking services [6][7]. - As competition increases, banks are encouraged to develop differentiated financial products tailored to various age groups, ensuring that services meet the specific needs of children at different developmental stages [7]. - The future of children's financial services may involve more personalized offerings and engaging educational initiatives to foster financial literacy [6][7].