**到底是不是个宝nowadays many people h**e acquired a new daily routine – checking her yu’ebao account. the online financial product not only helps them to s**e 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 r**ks and people especially students need to h**e 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**余额的习惯。**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. **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 ** quite addicted to yu’ebao, and it ** h**ing a good affect on her. since she started putting money in her alipay account, she has cut down on shopping expenses and ** investing more money in yu’ebao.如今,连玲玲十分迷恋**,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**上。not r**k-free非**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 r**k 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**相当于投资货币基金。尽管**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, ** to gain more financial knowledge and understand how financial services operate. “grasping some basic financing principles can help students in **oiding or mitigating some r**ks and make w**e 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。 20210311
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