当互联网金融遭遇"中国大妈"

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”这一名词是被华尔街日报用来描述那些“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次头条。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 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.

来自互联网金融公司挖财网的大数据显示，55岁及以上的女性的投资额比整体人均投资额多了将近43%，甚至几乎达到了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.

数据显示，和其他其他年龄段的人群投资相比，中国大妈对六个月及以上的长期金融产品更为青睐，并已将她们13%的资本投入进去。根据王义红所说，55岁及以上的妇女一般都是家庭经济的掌控者，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也反映出了中国人是如何支配财富的。大部分中国人缺少金融方面的系统知识，很晚才开始理财。而最近今年，由于投资的选择太少，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。