如题所述
余额宝到底是不是个宝
Nowadays many people have acquired a new daily routine – checking her Yu’ebao account. The online financial product not only helps them to save money, it also cultivates in them a sense of financing and investment.
Before Yu’ebao offered 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. Besides, We can see money coming in every day.
However scholars warn that online financing has its risks and people especially 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。
The financial product provided by Alibaba Group allows users to directly invest in the private Tianhong funding company using spare cash from Alipay accounts.
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。”
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。
Not risk-free
非零风险
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.
索玲燕副教授提醒学生们对待网络理财产品要谨慎。“事实上，投资余额宝相当于投资货币基金。尽管余额宝降低了投资的门槛和成本，但两者的风险程度相当。”
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.
索玲燕认为，对于学生投资者而言，解决问题的办法是获取更多金融知识，弄清金融服务是如何操作的。“掌握一些金融理财的基本原则可以帮助学生在投资时做出明智之选，从而规避或降低风险。”她说。
Nowadays many people have acquired a new daily routine – checking her Yu’ebao account. The online financial product not only helps them to save money, it also cultivates in them a sense of financing and investment.
Before Yu’ebao offered 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. Besides, We can see money coming in every day.
However scholars warn that online financing has its risks and people especially 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。
The financial product provided by Alibaba Group allows users to directly invest in the private Tianhong funding company using spare cash from Alipay accounts.
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。”
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。
Not risk-free
非零风险
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.
索玲燕副教授提醒学生们对待网络理财产品要谨慎。“事实上，投资余额宝相当于投资货币基金。尽管余额宝降低了投资的门槛和成本，但两者的风险程度相当。”
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.
索玲燕认为，对于学生投资者而言，解决问题的办法是获取更多金融知识，弄清金融服务是如何操作的。“掌握一些金融理财的基本原则可以帮助学生在投资时做出明智之选，从而规避或降低风险。”她说。
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