當互聯網金融遭遇"中國大媽"

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.

“中國大媽”這一名詞是被華爾街日報用來描述那些“熱衷低價搶購的中年中國婦女”的消費者，她們“嚴格控制家庭開銷，並時刻緊盯黃金價格”，爲此她們已經上了不少次頭條。現在，在互聯網市場上，中國大媽也依然是領頭羊。

The big data released by internet financing company 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.

來自互聯網金融公司挖財網的大數據顯示，55歲及以上的女性的投資額比整體人均投資額多了將近43%，甚至幾乎達到了80後人均投資額的三倍。

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.

挖財研究部的金融分析師王義紅說，互聯網金融是基於移動互聯網技術的新興產業，目標用戶應該是年輕人。顯然，我們低估了中老年人羣對金融的需求以及他們學習新事物的能力。

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.

數據顯示，和其他其他年齡段的人羣投資相比，中國大媽對六個月及以上的長期金融產品更爲青睞，並已將她們13%的資本投入進去。根據王義紅所說，55歲及以上的婦女一般都是家庭經濟的掌控者，她們也沒有養孩子的壓力、買房的壓力和其他剛性需求帶來的壓力，因此她們更傾向於選擇投資長期金融產品以求獲得更高的回報。

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.

中國大媽的投資行爲也反映出了中國人是如何支配財富的。大部分中國人缺少金融方面的系統知識，很晚纔開始理財。而最近今年，由於投資的選擇太少，已經不能滿足人們的投資需求了。因此新興的互聯網金融產品就顯得非常有吸引力了，甚至是老人都願意參與其中。