調查報告：90后每月在余額寶攢的錢是花唄賬單的4.5倍

The country's young people born between 1990 and 1999 began to manage their money at 23 years old on average, about 10 years earlier than their parents, according to the report.

報告顯示，“90后”首次開始理財的平均年齡是23歲，比父母輩第一次接觸理財早了10年。

The digital credit platform Huabei is also a popular service among the younger generation as they know how to make the most out of the credit service while avoiding overspending, the report showed.

年輕一代還很喜歡用數字信用服務平臺“花唄”，因為他們知道如何充分利用信用服務來避免過度支出。

“90后”出生的時候，互聯網已經較為普遍，所以這一代人被稱為“數字原住民”(digital natives)。

There's a whole generation of individuals for whom concepts such as the internet and wireless technology are just humdrum, because they've never lived in a world where they didn't exist. These are the so-called digital natives.

有一代人從出生就已經習慣有互聯網和無線技術的陪伴，對他們來說，這些數字技術絲毫不稀奇。這一代就是我們所說的“數字原住民”。

調研顯示，90%的“90后”使用花唄并非因為想要提前消費，而是因為希望“省錢”(save money)和“占便宜”(make the most of the service)。大量“90后”在調研中表示“自己先用花唄額度消費，把錢先存起來，這樣可以多賺一個月的收益”。

對比他們的余額寶和花唄發(fā)現，“90后”每月在余額寶攢的錢，平均是其花唄賬單的4.5倍(the money they put in Yu'ebao is 4.5 times as much as they pay through Huabei)。

上海社科院原副院長、研究員何健華表示，

The younger generation, growing amid rapid internet developments and abundant applications, are independent and smart with their money.

年輕一代成長于互聯網飛速發(fā)展及各種應用層出不窮的年代，這代年輕人也有強烈的獨立意識，對財富精打細算。

【相關詞匯】

理財 wealth management

互聯網金融服務 online financial services

不合理消費 unreasonable consumption

量入為出 live within their means