Nowadays, College Students Are Keen On "Mobile Phone Financing".

< p > take out the mobile phone, open the client one by one, pass through it one by one, then put the cell phone into the classroom.

Recently, this scene is often staged in < a href= "//www.sjfzxm.com/news/index_c.asp > college student < /a > group.

These post-90s young people are not just brushing WeChat and micro-blog, but playing the Internet finance as well as "office workers".

Balance treasure, CAITONG...

Many college students have mastered everything, and some even pay tuition fees and accommodation fees in order to get more benefits.

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< p > a survey shows that over 70% of college students choose to use Internet financial products.

While praising these college students to say goodbye to lavishly and learn to "calculate carefully", some educational experts have also raised concerns: too much attention to financial management will affect academic performance? Who will bear the financial risk of college students without fixed income? < /p >

< p > < strong > money, tuition and living expenses are first /strong > /p >

< p > Wang Lin is a junior student of a 211 Engineering University in Beijing.

She collected over 5000 yuan of lucky money during the Spring Festival this year.

She smiled and opened the mobile phone client to show her wealth to reporters: the daily income was close to 1.5 yuan.

Wang Lin said.

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< p > she told reporters that before last July, she had no knowledge of Internet financial products such as "balance treasure".

When the summer vacation was at home, Wang Lin saw that his cousin had skillfully pferred 100 thousand yuan from the bank card to a financial product by using mobile phones. "At that time, I exclaimed" crazy, "but my cousin did not think so.

Wang Lin said, after cousin's "enlightening", she realized that "Internet finance" is higher than the bank's time deposit interest.

1 months before leaving school, she went ahead with her parents to spend the entire second half of her life "saving some income and experience".

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< p > reporter recently interviewed in Peking University, Central University of Finance and Economics and other universities found that there are not a few college students using internet financial products.

Most of them, like Wang Lin, have changed their monthly living expenses from home to home in the past, or even once a year, and then put them into financial instruments.

"Two hundred yuan in your pocket will be enough. In any case, Internet financial products will soon be available."

Xiao Liu, a college student, said.

Some college students said that when they started school last autumn, they even paid a few days' tuition and accommodation fees in order to gain more financial benefits.

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< p > < strong > clubbed "group" to make money in order to make big money < /strong > /p >

< p > reporter noted that compared with those who put the cost of living in Internet financial products, a href= "//www.sjfzxm.com/news/index_cj.asp" > Finance > /a > majors seemed more daring and professional.

Some college students have tried to pool money to buy financial products.

"We will combine the stock market and futures market to analyze when the financial products will buy, when to sell the proceeds better, and the risk is lower," the students believe me.

Xiao Li of Central University of Finance and Economics said that the total amount of their "joint accounts" has been close to 50 thousand yuan. Not only do they invest in the mainstream financial products such as balance treasure or money paid, they also try some products with higher risks. At present, the comprehensive annualized yield is above 6%.

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< p > in the eyes of these financial college students, paying attention to the daily rate of return seems to have become their main "homework".

Wang Lin said that the first thing she wakes up every morning is to turn on the mobile phone client to see how much the proceeds are.

"The yield has been declining for some time, and there is no thought in class."

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< p > < strong > over 70% students' Internet financial affairs < /strong > < /p >

< p > a survey from Renren showed that 71% of the 1500 students interviewed chose to spend their money on Internet financial products such as balance treasure, 17% of the students chose to buy stocks, and 9% of them went to the bank according to their old habits.

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< p > Internet financial products binding mobile phones and convenient use is a consistent evaluation of college students.

Students have money in the Internet tools such as balance treasure, which is less than two hundred or three hundred yuan, with a maximum of 15000 yuan.

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< p > according to statistics, the student's "mobile phone financing" has so far gained good profits and no loss.

In general, the student income of 200 yuan is less than 4 yuan, and the student income of 15000 yuan is about 300 yuan.

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< p > < strong > College Students' financial affairs need to be cautious < /strong > < /p >

"P" Renmin University Student Behavior Survey analyst told reporters that although college students do not have fixed income, but because they are away from their parents and have grown up, they usually get a life or education fee.

And these expenses need a process. College students can make full use of this time difference and make short-term investments.

The launch of Internet financial products with higher flexibility such as balance treasure and financial management just fills students' desire for short-term financial management.

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< p > the teacher of the economics school of Peking University and Renmin University of China told reporters that college students' exposure to Internet financial management helps to learn and cultivate financial awareness and farewell spending habits.

But at the same time, there are risks, such as loss of property caused by mobile phones, computers or viruses, and lack of financial knowledge, resulting in investment failure.

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< p > in the opinion of educational experts, college students pay too much attention to Internet financial products, which may affect their studies.

Hou Zhengfang, a doctor of education, told reporters that college students' personal financial life style is not mature, and their knowledge is not comprehensive and their schoolwork is heavy.

Some experts believe that some college students are not fully mature mentally and are prone to "crave" psychology. This is precisely the main reason for the loss of < a href= "//www.sjfzxm.com/news/index_cj.asp > funds > /a >.

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