大學(xué)生理財(cái)：余額寶到底是不是個(gè)“寶”？

導(dǎo)讀：從存款獲利，到引學(xué)者炮轟，余額寶一直話題不斷。而這種網(wǎng)絡(luò)金融產(chǎn)品更是受到許多大學(xué)生的青睞，在體驗(yàn)便捷理財(cái)?shù)耐瑫r(shí)，又需要注意哪些事項(xiàng)呢?一起來(lái)看看吧!

Over the past nine months, Lian Lingling, 20, has acquired a new daily routine – checking her Yu’ebao account. The online financial product not only helps her and other students to save money, it also cultivates in them a sense of financing and investment. But scholars warn that online financing has its risks and students need to have a more comprehensive understanding of financial products.

在過(guò)去的九個(gè)月里，20歲的連玲玲(音譯)養(yǎng)成了每天查看余額寶余額的習(xí)慣。余額寶這款網(wǎng)絡(luò)理財(cái)產(chǎn)品不僅幫助她和周?chē)瑢W(xué)存錢(qián)，還培養(yǎng)了他們的金融投資意識(shí)。但專(zhuān)家學(xué)者提醒，互聯(lián)網(wǎng)金融有風(fēng)險(xiǎn)，學(xué)生群體需要對(duì)這些金融產(chǎn)品全面了解。

Spare investment

課余投資

Lian Lingling, a computer information management major at Shanghai Normal University, was among the first users of Yu’ebao. The financial product provided by Alibaba Group allows users to directly invest in the private Tianhong funding company using spare cash from Alipay accounts. As Lian uses Alipay frequently, it’s convenient for her to invest. “With the cell phone app, I can make real-time transfers between the two accounts,” she said.

就讀于上海師范大學(xué)計(jì)算機(jī)信息管理專(zhuān)業(yè)的連玲玲是余額寶的首批用戶(hù)之一。余額寶是由阿里巴巴集團(tuán)推出的金融業(yè)務(wù)，用戶(hù)可以將支付寶賬戶(hù)中的閑置資金直接投資到天弘基金。由于連玲玲常常使用支付寶，所以她可以輕松投資。她說(shuō)：“通過(guò)手機(jī)應(yīng)用，我可以在兩個(gè)賬戶(hù)間實(shí)時(shí)轉(zhuǎn)賬。”

Yu’ebao offers a seven-day annualized yield of 5 to 7 percent. “Though it’s decreasing, it’s still higher than the interest rate provided by banks,” Lian said. “Besides, I can see money coming in every day.”

余額寶七天的年化收益率是5%到7%。“盡管該收益率正在下降，但還是高于銀行利率，”連玲玲說(shuō)。“另外，每天我都可以看到賬戶(hù)中新增的收益。”

Good match

學(xué)生理財(cái)好搭檔

Similar to Lian, many other college students are also interested in or enjoy such easy ways of financing. According to a recent Renren.com survey, 70 percent of respondents showed interest in online financing products, with most having a preference for Yu’ebao.

和連玲玲一樣，很多大學(xué)生也對(duì)這種網(wǎng)絡(luò)理財(cái)方式頗感興趣，有些人甚至還樂(lè)在其中。根據(jù)人人網(wǎng)的一項(xiàng)最新調(diào)查顯示，70%的參與者表示對(duì)互聯(lián)網(wǎng)理財(cái)產(chǎn)品感興趣，其中大多數(shù)人偏愛(ài)使用余額寶。

“This trend fits their behavior,” says Suo Lingyan, an associate professor at Peking University’s School of Economics. She says college students rely heavily on the Internet, “therefore they can easily accept online financing products”. Moreover, Yu’ebao caters to students’ needs. “Their investment is small and they require a high degree of liquidity,” she said.

北京大學(xué)經(jīng)濟(jì)學(xué)院副教授索玲燕(音譯)說(shuō)：“這種趨勢(shì)正好符合學(xué)生們的習(xí)慣。”她說(shuō)，大學(xué)生十分依賴(lài)網(wǎng)絡(luò)，“因此他們更易接受互聯(lián)網(wǎng)金融產(chǎn)品”。此外，她還表示，余額寶能夠滿(mǎn)足學(xué)生們“投資少、資金流動(dòng)性高”的需求。

Now, Lian is quite addicted to Yu’ebao, and it is having a good affect on her. Since she started putting money in her Alipay account, she has cut down on shopping expenses and is investing more money in Yu’ebao.

如今，連玲玲十分迷戀余額寶，而這也確實(shí)為她帶來(lái)了一些益處。自從她把錢(qián)放在支付寶中后，她便減少了購(gòu)物支出，而是把更多錢(qián)投到余額寶上。

Not risk-free

非零風(fēng)險(xiǎn)

But Suo warns that students should be cautious about online financial products. “In essence, investing in Yu’ebao equals investing in a monetary fund. Though Yu’ebao lowers investment barriers and costs, the risk levels are the same,” she says.

索玲燕副教授提醒學(xué)生們對(duì)待網(wǎng)絡(luò)理財(cái)產(chǎn)品要謹(jǐn)慎。“事實(shí)上，投資余額寶相當(dāng)于投資貨幣基金。盡管余額寶降低了投資的門(mén)檻和成本，但兩者的風(fēng)險(xiǎn)程度相當(dāng)。”

Li Daokui, a professor of economics at Tsinghua University, pointed out that the biggest risk of Yu’ebao may be the lack of information transparency. “High-risk credit products are the supporting asset of Yu’ebao. These risks are not revealed to individual investors,” he said during an interview on CCTV. “This may result in a squeeze of investment if some investors lose confidence in Yu’ebao,” he added.

清華大學(xué)經(jīng)濟(jì)學(xué)教授李稻葵也指出，余額寶最大的風(fēng)險(xiǎn)在于缺乏信息透明度。“余額寶的背后實(shí)際上是高風(fēng)險(xiǎn)信用產(chǎn)品，而這些風(fēng)險(xiǎn)并未披露給個(gè)體購(gòu)買(mǎi)者，” 李稻葵在接受中央電視臺(tái)采訪時(shí)表示，“如果一些投資者對(duì)余額寶失去信心，就可能導(dǎo)致資金縮水。”

The solution for student investors, Suo believes, is to gain more financial knowledge and understand how financial services operate. “Grasping some basic financing principles can help students in avoiding or mitigating some risks and make wise investment choices,” she said.

索玲燕認(rèn)為，對(duì)于學(xué)生投資者而言，解決問(wèn)題的辦法是獲取更多金融知識(shí)，弄清金融服務(wù)是如何操作的。“掌握一些金融理財(cái)?shù)幕驹瓌t可以幫助學(xué)生在投資時(shí)做出明智之選，從而規(guī)避或降低風(fēng)險(xiǎn)。”她說(shuō)。