智商（IQ）、情商（EQ）都是日常生活中常谈的话题，但最近小编又学习到了一个新“商”——财商（FQ）。财商又名“金融智商”，指个人、集体认识、创造和管理财富的能力，包括观念、知识、行为三个方面。
Intelligence quotient (IQ) and emotional quotient (EQ) are common topics in daily life, but recently the editor has learned a new "quotient"-financial quotient (FQ). Financial quotient, also known as "financial intelligence quotient", refers to the ability of individuals and collectives to recognize, create and manage wealth, including concepts, knowledge, and behavior.
财商这一词最早是由罗伯特所著的《富爸爸，穷爸爸》一书中提出的，而这一概念的提出，在金融业内引起了极大的反响，激发起了各方讨论。那财商到底是什么，通俗地讲，财商可以理解为一个人的理财能力与理财智慧，如何合理地去认识金钱，管理金钱。也就是说财商主要包括两方面的能力：一是正确认识金钱及金钱规律的能力；二是正确应用金钱及金钱规律的能力。财商也被越来越多的人认为是实现成功人生的关键。财商和智商、情商一起被教育学家们列入了青少年的“三商”教育。
The term "financial quotient" was first proposed by Robert's "Rich Dad, Poor Dad" book, and the proposal of this concept has aroused great repercussions in the financial industry and aroused discussions among all parties. What is a financial quotient? In layman's terms, a financial quotient can be understood as a person’s financial management ability and financial wisdom, and how to understand and manage money in a reasonable manner. That is to say, financial quotient mainly includes two aspects of ability: one is the ability to correctly understand money and the laws of money; the other is the ability to correctly apply money and the laws of money. Financial quotient is also regarded by more and more people as the key to achieving a successful life. Financial quotient, intelligence quotient, and emotional quotient are included in the "three quotient" education of young people by educators.
但财商的提升也是需要不断的学习的，正如老话所说“机会只会留给有准备的人”，而财商也主要由以下四个技能组成：
1.财务知识。即阅读理解数字的能力。
2.投资战略。即钱生钱科学。
3.市场、供给与需求。提供市场需要的东西。
4.法律规章。有关会计、法律及税收之类的规定。
如何实现让你的钱生钱，用你目前的资金去创造出更大更多的价值，也是一种财商的一种体现，所以在财商的世界里，又把人们分为了四类：
E:工人、职员、教师、医生----为他人工作
S:商店老板，餐厅老板，私企老板，自由职业者----为自己工作
B:企业家---让别人为他们工作
I: 投资者 ---B的基础，让钱为他们工作
But the promotion of financial quotient also requires continuous learning. As the old saying goes, "opportunities will only be reserved for those who are prepared", and financial quotient is mainly composed of the following four skills: 1. Financial knowledge. That is, the ability to read and understand numbers. 2. Investment strategy. That is, money makes money science.
3. Market, supply and demand. Provide what the market needs.
4. Laws and regulations. Regulations related to accounting, law, and taxation.
How to make your money generate money and use your current funds to create greater and more value is also a manifestation of a financial business. Therefore, in the world of financial business, people are divided into four categories:
E: Workers, staff, teachers, doctors-work for others
S: Store owner, restaurant owner, private company owner, freelancer-work for yourself
B: Entrepreneurs-let others work for them
I: Investors ---B foundation, let money work for them
以上就是有关财商的了解，那你觉得你们认为你们在财商的世界里是扮演着怎样的一个角色呢？
The above is the understanding of financial quotient, then what do you think do you think is your role in the world of financial quotient?
部分参考资料来源于百度，英语来源于Google翻译
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