Chinese women are taking the lead in planning for the family's finances, according to HSBC's latest report: The Future of Retirement¹: Why family matters.

汇丰人寿最新发布的调查报告《未来的退休生活：为何家庭很重要》显示，中国女性在家庭财务决策中独占鳌头。

Sixty-three per cent of Chinese women say they make all or most of the financial decisions in the household, the highest percentage among their Asian peers.

约有63%的中国女性表示，家里的财务规划几乎都是她们做的，这个比例在亚洲国家女性中是最高的。

The survey also points out that few Chinese women claim to be expert financial planners.

该调查指出，她们普遍没有信心说自己很精通财务规划。

Whilst the majority of Chinese women (96 percent) say they have a basic to moderate level of experience in financial planning, only 1 percent can claim expert financial savvy² (versus 5 percent of Chinese men, 4 percent of Asian women and 7 percent of women globally).

绝大多数的中国女性（96%）表示，她们只有很基本的、不太专业的财务规划知识，而认为自己精通财务规划之道的仅有1%。相比之下，整个亚洲女性精通财务规划的比例为4%，全球女性精通财务规划的比例为7%，而中国男性中也只有5%表示自己精于理财。

Despite the majority of Chinese (76 percent) having financial plans in place compared to an average of 66 percent across Asia, various gaps in planning still exist.

调查还显示，大部分（76%）中国人都有财务规划，超过整个亚洲的平均比例（66%）。尽管如此，各种各样的财务缺口依然存在。

Over 37 percent of respondents in their thirties do not have any short-term savings³. A third (38 percent) of Chinese parents do not have life insurance while another third (35 percent) of those aged⁴ 50-59 are not saving for retirement.

据悉，30多岁的受访者中有超过37%的人没有任何短期储蓄；三分之一（38%）的中国家长没有人寿保险；另外，50-59岁之间的人中有三分之一的人没有退休养老规划。