来到大学，大多数父母每月或每周定期的生活费让我们拥有了自己管理金钱的权力，这看似是好事儿，能培养大学生的金钱独立性，但是真实的情况真的如我们预想的一样好吗？事实上，许多大学生不仅不会合理进行理财规划，还成为了”借贷人“，背上债务。针对这种现象，我就想和大家普及一下大学生理财的相关知识并且分享我的理财心得。

When we come to the university, most of our parents’ monthly or weekly living expenses allow us to have our own power to manage money. This seems to be a good thing and can cultivate the financial independence of college students, but the real situation is really as we expected. Is it equally good? In fact, many college students do not even make reasonable financial planning, and they have become "borrowers" and are burdened with debts. In response to this phenomenon, I would like to share my financial management knowledge with you all over the university.

1.培养理财意识。

（1）定期储蓄的意识。在自己能承受的最大范围内，将剩余生活费储存起来。

（2）合理消费的意识

（3）规划记账的意识。进行理财的第一个月，每天将自己花钱的多少与用途都记载下来，等到月末清账，将花销进行分类，比如饮食，聚餐，服装等几个方面，这样可以大致规划出个人每月在各方面的花销。有了这个大致规划后，就要在之后的每个月中严格控制各方面的开销，这样不仅不会超支，多少还会剩有余钱。

1. Cultivate the awareness of financial management.

(1) Awareness of regular savings. Store the remaining living expenses to the maximum extent you can afford.

(2) Consciousness of reasonable consumption

(3) Awareness of planning and accounting. In the first month of financial management, record the amount and purpose of the money you spend every day, wait until the end of the month to clear the accounts, classify the expenses, small meals, dinners, clothing and other aspects, so that you can roughly plan your personal monthly Expenses in all aspects. With this general plan, it is necessary to strictly control all aspects of expenditure in each subsequent month, so that it will not even be overspend, and there will be more money left.

2.尝试购买理财产品。

说到投资理财，可能很多人第一时间想到的便是股票。但对于我们大学生来说，股票的风险波动性已远远超过了我们能够承担的范围，如果不是确实对金融市场非常了解的同学，还是尽量不要选择股票进行投资。

大学生在购买理财产品时，优选货币型基金和债券型基金，货币型基金的典型代表就是余额宝，它的流动性很高，同时，收益率比银行活期存款利率高，基本上没有风险。债券型基金相比于货币型基金就会有一定的风险，但它的产品收益也是比较稳定的，这种基金更适合长期持有，收益会更高。相比于这两种基金，股票型基金的风险就会大大提高。

股票型基金的投资方向是股票，相当于找代理人，也就是基金经理人，来帮你购买股票，以获得收益。同学们选择这种股票时就应该再三考虑，享受高回报的同时是否能够承担财产的损失。

除了一次性买入外，基金定投也是一个获得稳定收益的理财方式，它是在固定的时间以固定的金额投资到开放式基金中，这种投资方式就很适合大学生这种没有大量资金的人群。就我自己而言，我认为我们投资时可以将稳健理财作为主要投资方向，在确有余力的情况下，用自己能够接受的损失来试水股票一类的高风险产品。这样的话，我们就能在保本金的同时获得稳定收益，并学得更多的理财知识。

2. Try to buy wealth management products.

When it comes to investment and financial management, stocks may be the first thing many people think of. , Still try not to choose stocks for investment.

When college students buy wealth management products, they prefer currency funds and bond funds. The typical representative of currency funds is Yu'ebao. It has high liquidity and at the same time, the yield is higher than the interest rate of bank demand deposits, and there is basically no risk. A type fund classified as a currency fund will have certain risks, but its product returns are relatively stable. This type of fund is more suitable for long-term holding and has higher returns. The risk will be greatly increased.

The investment direction of stock funds is stocks, which is equivalent to looking for an agent, that is, a fund manager, to help you buy stocks and gain income. Bear the loss of property.

In addition to a one-time purchase, fund fixed investment is also a financial management method to obtain stable income. It is invested in an open-end fund at a fixed amount of time at a fixed time. This investment method is very suitable for college students who do not have a lot of funds. . As far as I am concerned, I think that we can use sound financial management as our main investment direction when investing, and if we do have spare capacity, we can test high-risk products such as stocks with losses that we can accept. In this way, we can obtain stable income while preserving the principal, and learn more financial management knowledge.

参考资料：文字：百度；图片：微博；翻译：百度翻译

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