Highlighting the policy background and programme innovations of the HKD 300 million Child Development Fund Pioneer Projects, this article presents results from a quasi-experimental study of 750 adolescents in the first-batch projects. The projects combine a matched-savings programme, a mentorship programme and personal development plans. These features demonstrate the impact of financial and non-financial assets developed over a three-year period, so that participating children are more likely to leave poverty in the long term. Findings are largely positive, showing a high rate of saving completions and identifying programme effects on life-goal planning. Reciprocal and mutual trust between mentor and mentee are associated with adolescent psychosocial development. Furthermore, the community becomes more prepared to use an asset-building approach to alleviate intergenerational poverty. Nevertheless, the results suggest that training and support for mentors and financial literacy for parents need to be strengthened to increase the programme's influence.

本文強調了 3 億港元兒童發展基金的政策背景和項目創新，並陳述了一項准實驗的結果，此准實驗的參與者為 750 名青少年和第一批參與此項目的家庭。這則項目由香港特別行政區政府於2008年發起，通過結合帶配款的儲蓄項目、和個人發展劃，用以解決貧困跨代傳遞問題。這個為期三年項目同時也對金融和非金融資產的影響進行研究。兒童發展基金的目標是總共招募13600名青少年及他們的家庭。大多數結果都是積極的，因為這些結果顯示出完成儲蓄的比例非常高，並確定了項目對終身計劃的影響。這些結果還顯示出之間的互惠信任與青少年的心理發展有關。研究結果表明，對的培訓和支持及家長的金融知識還有待加強。