學生黨想致富，先樹立正確理財觀
首先，要樹立正確的消費觀
First of all, to set up the correct consumption view
無論你是在校的學生，還是剛走上工作崗位的社會新人，絕大多數還要依靠父母的資助來滿足日常開銷，所以想攢下錢也不是件易事。可是沒錢拿什么理財呢?所以濟南代理記賬公司建議學生黨勤儉節約不亂花錢。比如盡量減少同學聚會，堅持記賬，把不必要的開支從賬上抹掉。每月收到了生活費或工資，先把這筆資金用于購買教材、學習用具、充飯卡等必需的支出上，剩余的再考慮其他消費。
Whether you are a college student, or just to a new social work and the vast majority of depends on parents' support to meet the daily expenses, want to save money is not so easy.But no money to take what money?So the jinan bookkeeping agency advises students party frugality not disorderly spend money.Such as to minimize the reunion, insist to charge to an account, the unnecessary expenses from the account.Received the cost of living or wage per month, put the money used to buy textbooks, school things, filling meal card and other necessary expenses, the remaining before considering other consumption.
說到這兒，不能不提一下信用卡：
每逢開學季或畢業季，校園內總能看到很多銀行開設的辦理點，或者學哥學姐為了完成工作任務讓你們辦卡。濟南代理記賬公司在此勸告各位，不要被信用卡送的小禮品誘惑，要謹慎辦卡。過度使用信用卡，尤其對并不具備償還能力的學生黨來講，極易助長不良的消費習慣，一旦消費后沒有資金及時償還，損失的不僅僅是金錢，還會影響個人信用。所以，學生黨務必理性使用信用卡。
Speaking of which, have to mention the credit card:
When opening season or graduation season, the campus can always see a lot of bank to handle, or learn elder brother elder sister let you handle card in order to complete the work task.Jinan bookkeeping agency company in the advice, you don't get a credit card to send small gifts, be careful to do card.Excessive use of credit CARDS, especially for students party, do not have money to repay to encourage bad spending habits, once the consumer no money to repay in time, after the loss is more than just money, can also affect the individual credit.So, the student party, be sure to rational use a credit card.
其次，為了開源，積極參加兼職或實習，并進行職業規劃
Secondly, in order to open source, take an active part in part-time or internship, and carry on career planning
有學生曾經問我們，“還有半年就畢業了，但是自己還沒想好做什么工作”。
濟南代理記賬公司的建議是：我們可以利用假期或者沒有課的閑暇時間，積極參與一些兼職或者實習工作，雖然掙的不多，但是能夠積累工作經驗，也能提高自己未來的求職競爭力，或許還能在實習中找到適合自己的職業。另外，我們還應該利用閑散時間主動學習一些理財知識或者專業技能，獲取一定的理財經驗。比如，可以開始基金定投、小額嘗試P2P網貸，或者參加學校舉辦的金融方面的講座，進一步提升自己在金融、理財領域的認知。
A student once asked us, "and half a year will graduate, but his haven't wanted to do a good job".
Jinan bookkeeping agency company suggestion is: we don't have class can use holiday or leisure time, take an active part in some part-time jobs or internships, although earn much, but the ability to accumulate work experience, can also enhance the competitiveness of their future job, may be able to find suitable for their career in the internship.In addition, we should take advantage of idle time to take the initiative to learn some knowledge of finance or professional skills, obtain certain experience in finance.Can start fund to be cast surely, for example, small try a P2P network, or part of the school s financial lecture, further enhance your knowledge in the field of finance, financial management.
這些理財產品并不適合年輕的你,適合學生投資的產品應具備兩個特點：
一是，由于學生尚未參加工作或剛工作不久，收入還很低甚至沒有穩定的收入來源，所以產品的投資門檻必須很低，不能因為投資影響了正常的生活開支;二是，由于學生黨的支出、消費有一定的不確定性，所以產品的流動性要較強。因此，國債、股票、銀行理財產品等投資產品不適合學生黨選擇。
These products are not suitable for the young you, is suitable for students' investment products should have two features: One is that because the student has not yet have a job or just work soon, income is very low or even no stable source of income, so the products must be very low investment threshold, because investment will not affect the normal life expenditure; Second, because the student party's spending, consumption has certain uncertainty, so the product of liquidity to be stronger. Therefore, bonds, stocks, bank financial products such as investment products are not suitable for students' party option.
若有閑置資金，可選以下投資方式
1.銀行儲蓄
對于缺乏投資經驗的大學生而言，銀行儲蓄不失為一種有效的理財途徑。既可以幫助我們改掉不良的消費習慣，長期堅持還能積累一筆可觀的資金。
2.余額寶類產品
以余額寶為代表的“寶寶”們，本質上都是貨幣基金。雖然目前收益都下滑至3%-4%左右，但是門檻低、流動性強，很適合學生黨打理閑錢。
3.基金定投
基金定投是指約定每月的扣款時間和扣款金額，到時銀行會定期從指定的賬戶中自動扣款，用于購買同一只基金。定投的門檻要比單筆申購基金低，通常可低至100或200元，對于大多數沒有時間研究市場，也沒有充足的金額用于投資的同學來講，通過定投來涉足基金，是不錯的選擇。
按照基金的波動和收益情況來看，股票基金、指數基金和混合基金最適合定投。但從風險上看，以上三種基金的風險也是最大的。
4.P2P網貸
P2P網貸是一種“個人對個人”的借貸投資模式，投資門檻通常為1000元或者10000元。當前市面上的P2P投資收益在5.5%-18%左右，比較適合在校學生以及剛步入社會的年輕人。但是由于P2P網貸的平臺良莠不齊，選擇一家正規平臺很重要。投資前，我們應當對平臺的成立時間，風控措施等方面詳細了解，明確P2P平臺的信用審核體系是否完善，是否充分掌握借款人的信息。
If you have idle fund, can choose the following investment way 1. The bank deposit For the lack of investment experience of college students, the bank can yet be regarded as a kind of effective financing way. Can help us get rid of bad habits, insist for a long time to also can accumulate a considerable money. 2. The balance of products Represented by the balance of treasure "baby", are essentially monetary fund. Although the yields are from around 3% to 4%, but the threshold low, liquidity is strong, very suitable for student party do spare cash. 3. The fund to be cast surely Fund is cast surely refers to the agreed processing time and deduct the amount per month, then the bank will automatically from the designated account on a regular basis deductions, used to buy the same fund. Decide the threshold than single purchase fund is low, usually can be as low as 100 or 200 yuan, for the majority of have no time to study the market, also do not have enough in terms of the amount invested in students, by putting to dabble in fund, is a good choice. According to the
如果你是學生黨并且堅持讀到了這里，請獎勵自己一朵小紅花!因為與同齡人相比你們已經贏在了起跑線上，所以請堅持你們的理財之路，盡管中途會有坎坷，但相信靠自己的努力，一定可以實現理財目標!加油!
If you are a student party and stick to read here, please reward yourself a little red! Because you have to win at the starting line up compared with their peers, so please stick to the road to your financial, though halfway there will be bumpy, but believe that on our own efforts, can achieve financial goals! Come on!
濟南代理記賬公司：http://www.yinyon.cn
