Thio was born in 1896 in
Semarang,
Central Java, into a prominent family on both sides. His father, the wealthy businessman
Thio Sing Liong (1871–1940), was a third-generation
Peranakan Chinese and the founder of
Handel Maatschappij Thio Sing Liong, a leading export–import company. In contrast to his father's business background, Thio's mother – Tan Tien Nio – hailed from the '
Cabang Atas' gentry as a granddaughter of
Tan Ing Kie, Kapitein-titulair der Chinezen (1835–1895). Through his mother, Thio was therefore a direct descendant of
Tan Yok Sing, Kapitein der Chinezen of Semarang (1737–1800) under the
Dutch East India Company (VOC). Tan Yok Sing came to the Indies in the mid-1700s as a descendant of the Tan (Chen in Mandarin) family from Zhangzhou, Fujian. This is the family that is famous for its most prominent member Tan Yong Hua or Chen Yong Hua (陳永華), who served as the advisor to Koxinga in 1666, contributed much to the conquest of Taiwan from the Dutch VOC and later the administration of Taiwan. Like most in his social class, Thio had an entirely
Dutch language-based education in Semarang, then at a
Hogere Burgerschool (HBS, secondary school) in
Leiden in the
Netherlands. He studied engineering at
Delft University, but left prior to graduating in 1922 to join his father's business. Following his father's retirement in 1933, Thio took over the family business and expanded it. He was also a board member of a number of other companies. ==Public life==