译文:中国中产阶级仍处于早期发展阶段
　　依照由汇丰银行和复旦大学联合做出的调查，在十年内年薪7,500美元至25,000美元的中国中产阶级群体将达到一亿人。

　　国际金融组织可能对这个逐渐显现的社会群体所带来的潜在市场垂涎三尺。然而，事实是——现在将这些高收入个体归结为中产阶级还为时尚早。中国青年报报道，在中国，年薪7,500美元至25,000美元的个体应当归于精英群体，而不是中产阶级，因为只有少部分人可以赚到这么多薪水。

　　然而，在西方国家的几乎全部由白领组成的中产阶级构成了西方社会的骨干，因为他们在社会中占了绝大多数。中产阶级占主导地位的社会将发展成为“椰形”社会，而两级分化占主导地位的社会将发展成为“锥形”社会，这种社会以大部分贫穷者构成社会的主体，而富裕的则站在社会阶层的顶部。两极分化的社会不利于自身的稳定与发展。另一方面，当中产阶级成为社会的主流时，他们起到一个从社会底层到精英层的缓冲器的作用。在这种社会，中产阶级成为主要的消费群体，他们的存在使消费市场变得繁荣，而这正是全球金融机构尝试扩大业务时总是盯着中产阶级的原因。

原文:Chinese middle class still in the early stage of development
　　In ten years, Chinese middle class, as defined by people with an annual salary between US$7,500 – US$25,000, will reach 100 million, according to a recent survey jointly carried out by HSBC and Fudan University.

　　International financial institutions might covet the potential market that might be created by this emerging social group. However, the truth is – it might be too early now to define people who have made these high earnings as belonging to the middle class group. In China, people who currently make US$7,500 – US$25,000 a year should be categorized as the elite class, not middle class, because only a few people can make so much money, the China Youth Daily reported.

　　In Western countries, however, the middle class, mostly made up of the white collar workers, is considered as the backbone of society because they form the overwhelming majority part of the social spectrum. The society where middle class dominates will develop in the olive shape, while the polarized society will develop in the pyramid shape, with the poor forming the majority part of the society and the rich standing at the top of the social class structure. The polarized society is disadvantageous to social stability and development. On the other hand, when the middle class become the mainstream in society, they will act as a somewhat buffer zone between the elite class and people at the bottom of society. In this society, middle class becomes the main consumption group and their existence enables consumption market to remain prosperous and that's why global financial institutions always eye at the middle class group when they try to enlarge their business.