中国大妈大爱互联网金融产品（双语）

　　爱语导读:中国大妈指的一类被华尔街日报描述为“热衷低价抢购的中年中国妇女”的消费者，她们“严格控制家庭开销，并时刻紧盯黄金价格”，为此她们已经上了不少头条。

　　Chinese Dama, which refers to a category of consumers described by the Wall Street Journal as "bargain-hunting middle-aged Chinese women" who "keep a tight grip on the family purse and an eagle eye on gold prices", has hit the headlines many times. Now, in the internet financing market, Chinese Dama also take the lead.

　　中国大妈指的一类被华尔街日报描述为“热衷低价抢购的中年中国妇女”的消费者，她们“严格控制家庭开销，并时刻紧盯黄金价格”，为此她们已经上了不少头条。现在，在互联网市场上，中国大妈也依然是领头羊。

　　The big data released by internet financing company wacai.com show that per-capita investment amount of 55 or above females is 43 percent higher than the overall per-capita investment and is nearly three times the per-capita investment of those born after 1980.

　　大数据显示互联网金融公司挖财网表示人均投资额是55或更高，女性投资额高于人均43%，更几乎达到80后人均投资额的三倍。

　　Wang Yihong, a financial analyst of Wacai Research Institute, said that internet financing is a newly emerged industry based on mobile internet technology. The target users were supposed to be young people. Apparently, we underestimated the middle-aged and aged people’s demand for financing and their ability to learn new things.

　　挖财研究部的金融分析师王义红说，互联网金融是基于移动互联网技术的新兴产业。目标用户应该是年轻人。显然我们低估了中年和老年人群对金融的需求以及他们学习新事物的能力。

　　Chinese Dama shows a preference to long-term financial products of 6 months or longer and has invested 13 percent of their capital into them, which is much higher than other age groups. According to Wang Yihong, women of or above 55 usually control the family economy and they are free from the pressures of child raising, house purchasing and other rigid demand pressures. So they tend to invest in long-term financial products and pursue a higher reward.

　　中国大妈对六个 月及以上的长期金融产品更为青睐，并已经将她们的13%资本投入进去了，这比其他年龄段的人群投资多。根据王义红所说，55岁及以上的妇女一般都是掌控者 家庭经济，她们也没有养孩子的压力，买房的压力和其他刚性需求带来的压力。因此她们更倾向于选择投资长期金融产品以求获得更高的回报。

　　The investing behavior of Chinese Dama reflects how Chinese people manage their wealth. Most Chinese people lack financial education and start late in money management. Currently the few options for investment have been unable to satisfy people’s investment needs. So the newly emerged internet financial products are attractive even to the elderly.

　　中国大妈的投资行为反映出中国人如何支配财富。大部分中国人缺少金融方面的系统知识，很晚才开始理财。最近今年，投资的选择太少，已经不能满足人们的投资需求了。因此新兴的互联网金融产品就显得非常有吸引力了，甚至是老人都愿意参与其中。

　　来源:cnn新闻

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