近日，中國新經(jīng)濟(jì)研究院聯(lián)合支付寶發(fā)布首份《90后攢錢報(bào)告》。報(bào)告顯示，92%的“90后”每個(gè)月都會(huì)有結(jié)余，80%的人會(huì)將結(jié)余進(jìn)行理財(cái)。

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(bào)告顯示，“90后”首次開始理財(cái)?shù)钠骄挲g是23歲，比父母輩第一次接觸理財(cái)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(shù)字信用服務(wù)平臺(tái)“花唄”，因?yàn)樗麄冎廊绾纬浞掷眯庞梅?wù)來避免過度支出。

“90后”出生的時(shí)候，互聯(lián)網(wǎng)已經(jīng)較為普遍，所以這一代人被稱為“數(shù)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(jīng)習(xí)慣有互聯(lián)網(wǎng)和無線技術(shù)的陪伴，對(duì)他們來說，這些數(shù)字技術(shù)絲毫不稀奇。這一代就是我們所說的“數(shù)字原住民”。

調(diào)研顯示，90%的“90后”使用花唄并非因?yàn)橄胍崆跋M(fèi)，而是因?yàn)橄Ｍ笆″X”（save money）和“占便宜”（make the most of the service）。大量“90后”在調(diào)研中表示“自己先用花唄額度消費(fèi)，把錢先存起來，這樣可以多賺一個(gè)月的收益”。

對(duì)比他們的余額寶和花唄發(fā)現(xiàn)，“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(lián)網(wǎng)飛速發(fā)展及各種應(yīng)用層出不窮的年代，這代年輕人也有強(qiáng)烈的獨(dú)立意識(shí)，對(duì)財(cái)富精打細(xì)算。

【相關(guān)詞匯】

理財(cái) wealth management

互聯(lián)網(wǎng)金融服務(wù) online financial services

不合理消費(fèi) unreasonable consumption

量入為出 live within their means

參考來源：錢江晚報(bào)

（中國日?qǐng)?bào)網(wǎng)英語點(diǎn)津 Helen）