“望子成龙,望女成凤”,是每个父母的心愿。如何为子女筹集一笔充足的教育经费成为父母们的心头大事。据中国人民银行的调查显示,城乡居民储蓄的目的,子女教育费用排在首位,所占比例接近30％,位列养老和住房之前。由于学费逐年上涨,家长们积攒子女教育经费的压力陡增,子女 “Succeed, Wangnv Chengfeng” is the wish of each parent. How to raise enough funds for education for their children has become a big concern for their parents. According to a survey conducted by the People’s Bank of China, the savings for urban and rural residents, children’s education costs came in first place, accounting for nearly 30%, before retirement and housing. As tuition fees increase year by year, the pressure on parents to accumulate their children’s education funds has risen sharply. Children