大学生理财:余额宝到底是不是个"宝"

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.
在过去的九个月里，20岁的连玲玲（音译）养成了每天查看余额宝余额的习惯。余额宝这款网络理财产品不仅帮助她和周围同学存钱，还培养了他们的金融投资意识。但专家学者提醒，互联网金融有风险，学生群体需要对这些金融产品全面了解。

Spare investment
课余投资

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.
就读于上海师范大学计算机信息管理专业的连玲玲是余额宝的首批用户之一。余额宝是由阿里巴巴集团推出的金融业务，用户可以将支付宝账户中的闲置资金直接投资到天弘基金。由于连玲玲常常使用支付宝，所以她可以轻松投资。她说：“通过手机应用，我可以在两个账户间实时转账。”

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.”
余额宝七天的年化收益率是5%到7%。“尽管该收益率正在下降，但还是高于银行利率，”连玲玲说。“另外，每天我都可以看到账户中新增的收益。”

Good match
学生理财好搭档

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.
和连玲玲一样，很多大学生也对这种网络理财方式颇感兴趣，有些人甚至还乐在其中。根据人人网的一项最新调查显示，70%的参与者表示对互联网理财产品感兴趣，其中大多数人偏爱使用余额宝。

“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.
北京大学经济学院副教授索玲燕（音译）说：“这种趋势正好符合学生们的习惯。”她说，大学生十分依赖网络，“因此他们更易接受互联网金融产品”。此外，她还表示，余额宝能够满足学生们“投资少、资金流动性高”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，连玲玲十分迷恋余额宝，而这也确实为她带来了一些益处。自从她把钱放在支付宝中后，她便减少了购物支出，而是把更多钱投到余额宝上。