A survey on spending habits among college students showed 94 percent depend on their parents or relatives for living expenses and over 30 percent are short of money.據(jù)一項針對大學(xué)生消費習(xí)慣的調(diào)查顯示，94%的大學(xué)生依靠父母或親戚支付生活費，超三成學(xué)生錢不夠花。The study by education consultancy MyCOS found the monthly expenses of college students are 1,212 yuan ($176) excluding tuition and transportation costs between home and school.教育咨詢機構(gòu)麥可思的一項研究報告發(fā)現(xiàn)，大學(xué)生的每月開銷為1,212人民幣(176美元)，其中，學(xué)費以及家與學(xué)校之間的往來交通費不包含在內(nèi)。Among 1,289 respondents, male students spent money mainly on nonessential food (including snacks and drinks), personal image, socializing and entertainment. Spending on telecommunication-Internet (31 percent) and digital electronic products (16 percent) was 7 and 11 percentage points higher than female students respectively.在1,289名大學(xué)生受訪者中，男生的開銷主要集中在非正餐(零食和飲料)、個人形象、社交和娛樂方面，其中，通訊和互聯(lián)網(wǎng)(31%)以及電子產(chǎn)品(16%)的開銷占比比之女生分別高出7個和11個百分點。Spending by female students on items related to personal image was 24 percentage points higher than the opposite gender.而女生在個人形象方面的開銷則比男生高24個百分點。Three core elements affecting student purchases are prices, quality and preference rather than brand or marketing initiatives, said the report, adding it shows most students are relatively rational in their spending.報告還稱，影響大學(xué)生消費的三個主要因素為價格、質(zhì)量和個人喜好，品牌和營銷手段并未列入其中，這表明多數(shù)學(xué)生的消費觀相對較為理性。The survey also found that 57 percent of college students have money management practices. A total of 42 percent bought online financing products, including Yu’ebao from Alibaba’s Ant Financial. This was followed by 24 percent of students who save money in the bank, 3 percent who invest in stocks and 2 percent who use peer-to-peer lending platforms.調(diào)查還發(fā)現(xiàn)，57%的大學(xué)生都有理財行為。共有42%的受訪學(xué)生購買了互聯(lián)網(wǎng)理財產(chǎn)品，其中包括阿里巴巴旗下螞蟻金服的余額寶，排名第二的是銀行儲蓄，占到總?cè)藬?shù)的24%，還有3%的學(xué)生投資股票市場，僅有2%借助P2P借貸平臺進(jìn)行理財。Some 41 percent of respondents said they have enough money to meet every day needs and still keep a balance. But 32 percent found themselves occasionally or frequently short of money.約有41%的受訪者表示，他們的錢足以滿足每日開銷且仍有盈余;而32%的受訪者則表示會偶爾或經(jīng)常面臨錢不夠花的窘境。Faced with a cash shortage, 43 percent would give up spending, 40 percent would seek help from parents and 15 percent choose to borrow money from friends.在缺乏資金的情況下，43%的學(xué)生選擇放棄消費，40%則會向父母尋求幫助，僅有15%向朋友借錢。The survey also found that 39 percent of students use loan services. It suggests that colleges should help improve financial awareness and spending behavior among students.調(diào)查還發(fā)現(xiàn)，使用銀行貸款的學(xué)生人數(shù)占受訪總?cè)藬?shù)的39%。這表明大學(xué)應(yīng)幫助學(xué)生提升理財意識并引導(dǎo)正確的消費行為。
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