学生党想致富，先树立正确理财观
首先，要树立正确的消费观
First of all, to set up the correct consumption view
无论你是在校的学生，还是刚走上工作岗位的社会新人，绝大多数还要依靠父母的资助来满足日常开销，所以想攒下钱也不是件易事。可是没钱拿什么理财呢?所以济南代理记账公司建议学生党勤俭节约不乱花钱。比如尽量减少同学聚会，坚持记账，把不必要的开支从账上抹掉。每月收到了生活费或工资，先把这笔资金用于购买教材、学习用具、充饭卡等必需的支出上，剩余的再考虑其他消费。
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.
说到这儿，不能不提一下信用卡：
每逢开学季或毕业季，校园内总能看到很多银行开设的办理点，或者学哥学姐为了完成工作任务让你们办卡。济南代理记账公司在此劝告各位，不要被信用卡送的小礼品诱惑，要谨慎办卡。过度使用信用卡，尤其对并不具备偿还能力的学生党来讲，极易助长不良的消费习惯，一旦消费后没有资金及时偿还，损失的不仅仅是金钱，还会影响个人信用。所以，学生党务必理性使用信用卡。
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，为了开源，积极参加兼职或实习，并进行职业规划
Secondly, in order to open source, take an active part in part-time or internship, and carry on career planning
有学生曾经问我们，“还有半年就毕业了，但是自己还没想好做什么工作”。
济南代理记账公司的建议是：我们可以利用假期或者没有课的闲暇时间，积极参与一些兼职或者实习工作，虽然挣的不多，但是能够积累工作经验，也能提高自己未来的求职竞争力，或许还能在实习中找到适合自己的职业。另外，我们还应该利用闲散时间主动学习一些理财知识或者专业技能，获取一定的理财经验。比如，可以开始基金定投、小额尝试P2P网贷，或者参加学校举办的金融方面的讲座，进一步提升自己在金融、理财领域的认知。
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.
这些理财产品并不适合年轻的你,适合学生投资的产品应具备两个特点：
一是，由于学生尚未参加工作或刚工作不久，收入还很低甚至没有稳定的收入来源，所以产品的投资门槛必须很低，不能因为投资影响了正常的生活开支;二是，由于学生党的支出、消费有一定的不确定性，所以产品的流动性要较强。因此，国债、股票、银行理财产品等投资产品不适合学生党选择。
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.
若有闲置资金，可选以下投资方式
1.银行储蓄
对于缺乏投资经验的大学生而言，银行储蓄不失为一种有效的理财途径。既可以帮助我们改掉不良的消费习惯，长期坚持还能积累一笔可观的资金。
2.余额宝类产品
以余额宝为代表的“宝宝”们，本质上都是货币基金。虽然目前收益都下滑至3%-4%左右，但是门槛低、流动性强，很适合学生党打理闲钱。
3.基金定投
基金定投是指约定每月的扣款时间和扣款金额，到时银行会定期从指定的账户中自动扣款，用于购买同一只基金。定投的门槛要比单笔申购基金低，通常可低至100或200元，对于大多数没有时间研究市场，也没有充足的金额用于投资的同学来讲，通过定投来涉足基金，是不错的选择。
按照基金的波动和收益情况来看，股票基金、指数基金和混合基金最适合定投。但从风险上看，以上三种基金的风险也是最大的。
4.P2P网贷
P2P网贷是一种“个人对个人”的借贷投资模式，投资门槛通常为1000元或者10000元。当前市面上的P2P投资收益在5.5%-18%左右，比较适合在校学生以及刚步入社会的年轻人。但是由于P2P网贷的平台良莠不齐，选择一家正规平台很重要。投资前，我们应当对平台的成立时间，风控措施等方面详细了解，明确P2P平台的信用审核体系是否完善，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
如果你是学生党并且坚持读到了这里，请奖励自己一朵小红花!因为与同龄人相比你们已经赢在了起跑线上，所以请坚持你们的理财之路，尽管中途会有坎坷，但相信靠自己的努力，一定可以实现理财目标!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!
济南代理记账公司：http://www.jnqqjz.com
