ABSTRACT

The rapid development of economy means that the accumulation of wealth becomes quicker, and with the accumulation of personal wealth, we have to face the problem of how to plan with wealth. This problem is particularly important for the 80s, because there is a general situation that their wealth is increasing but very limited and their lack of financial management experience. In the era in which financial becomes basic life skills, every kind of financial products emerge as the times require. How to select the appropriate financial method becomes an important thing. Recently, Internet Banking is popular for its characteristics of high efficiency, convenience and non-restricted investment amount, especially among 80s. With an example of Yu’E Bao, this paper puts forward some guidance and advices to 80s’ ways of managing money through the analysis of differences advantages and disadvantages comparing with the traditional financial.

Keywords: 80’s  Yu’E Bao  Internet Banking  Personal Finance

摘  要   

经济的快速发展意味着个人所得财富的累积加快，而随着个人财富的累积则意味着要面对如何规划财富的问题。这个问题在80后面前显得尤为重要，因为他们普遍存在财富数量虽增加却有限、理财经验缺乏的情况。在这个理财成为基本生活技能的时代，各式各样的理财产品应运而生。80后将如何选择合适的理财方式？近期互联网理财因其高效、便捷、投资金额不受限制的特点自面世以来广受欢迎，尤其深受80后喜欢。本文以余额宝为例，通过分析其与传统理财方式的差别、优劣势，对80后的理财方式提出指导及建议

关键词：80后　余额宝  网络银行　个人理财

Chapter One    Introduction
1.1 Purpose of this study
Under the context of rapid development of economic, personal wealth increase correspondingly, which represents that individual consumption will change accordingly. Nowadays, how to make personal wealth to maintain or increase its value is everyone's concern. That is to say, in the era in which financial management becomes socially basic life skills, how do people manage money? Especially for the post-80s generation, most of them are fresh in their work. Although personal wealth will increase but it is very limited. Therefore, post-80s generation lack of enough management experience, and also have to face the problem of purchasing house or car.