大学新生遭遇理财危机

Shen Junyi’s online “shop” provides a stable income every month, even though it only has a single customer – her mother.

沈君一（音译）的“网店”月收入稳定，尽管顾客只有她妈妈一个人。

The 19-year-old freshman at Shanghai University “sells” her monthly expenses online, exclusively to her parents of course, as a creative way of financing campus life in Shanghai.

这位就读于上海大学的19岁大一新生选择在网上“出售”自己每月的开销，当然客户群只面向自己的父母。此举开创了上海高校学生理财的先河。

Managing budgets has long been a headache for freshmen, according to experts. Mostly supported by their family, college students find it challenging to deal with their finances and the surveillance of their patrons.

专家表示，理财一直以来都是大一新生们的一块心病。由于大学生大都由家长资助，他们也发现如何去理财、应对父母监督是件棘手的事。

The administration’s ban on college student credit cards has not kept Li Jianxing, a freshman at Shaanxi Normal University, from getting a supplementary card through his father’s credit account.

虽然有关部门叫停了大学生信用卡，但陕西师范大学的大一新生李建兴（音译）还是从父亲那里拿到了一张信用卡附卡。

Even so, the 18-year-old hates it. Every time Li swipes the card, his parents call to check what he purchased and, more annoyingly, why.

即便如此，18岁的他对此深恶痛绝。每次李建兴一刷卡，他的父母都会打电话问买了什么，更头疼的是，还要问购物缘由。

“I feel like they’re spying on me,” says Li. “Plus, they can check my whereabouts simply through short messages from the bank.”

“我感觉像他们在监视我，”李建兴说。“此外，他们可以通过银行发送的短信轻松掌握我的全部行踪。”

At least there is some good news for Li: He has not yet exceeded his monthly budget of 2,000 yuan since becoming a college student, whereas many of his peers are struggling with financial crises from overspending.

对于李建兴而言，至少还有好消息：他自从升入大学后，从未超出过每月2000元的预算，而他身边的很多同伴都因过度开销而身陷财务危机。

According to Zhu Hanyu, from the general management office of Xinjiang Agricultural University, it is quite common for students to lose control of their finances on campus.

来自新疆农业大学综合管理办公室的朱涵宇（音译）表示，大学生开销失控的状况十分普遍。

“Before college, everything is taken care of by parents and family,” said Zhu. “Now, without an appreciation for budget control, they are running out of money before they even know it.”

“升入大学前，一切都有父母以及家长的照料，”朱涵宇说。“如今，由于缺乏预算控制方面的认识，还没来得及发现，便已‘弹尽粮绝’了。”

This is why Zhu thinks parental control over their offspring’s budget is necessary.

朱涵宇认为，这正是父母需要掌控子女理财大权的原因。

Gao Min from the student affairs office of Shenzhen University, however, disagrees. He said that learning to spend and save money is the most pressing lesson for freshmen to gain independence.

而来自深圳大学学生事务处的高民（音译）却并不认同这一观点。他说学会消费以及储蓄是大一新生获得独立的当务之急。

“Experiencing the anxiety and pressure of bad financing is good for students to learn,” said Gao. “Students have been controlled for too long.”

“对于学生而言，能够体验到财务危机带来的那份焦虑与压力并非是坏事，”高民说。“学生们已经以前被管得太久了。”

Some students say that parental control actually causes them more pressure on campus.

一些学生表示，事实上，家长的管控为自己的校园生活更添压力。

Qu Xingxin’s parents request an accounting record of daily expenditures from their son every month. The 19-year-old freshman at Jinan University says it takes a lot of time and energy to record every trivial purchase.

每个月，曲星新（音译）的父母都要求他给出一份记录日常开销的账本。这名来自济南大学的19岁新生表示，记录这些琐碎的开销实在是件既耗时又费力的事。

“I understand that my parents worked hard to support my studies, but I feel that I am still a high school student who has to report everything back to my parents.”

“我理解父母辛辛苦苦供我读书十分不易，但我感觉自己还像是一名高中生，所有事都要向父母汇报。”

Gao suggests that consistency and communication would help both freshmen and parents.

高民表示，言行一致与保持沟通或许可以助新生与家长一臂之力。

“Students need to show parents that they can keep on top of a budget by restraining their spending habits,” said Gao. “But parents need to let go, even if they know their child will experience problems.”

“学生需要让父母知道，他们可以通过控制自己的消费习惯来掌控预算，”高民说。“而家长则应该放开手，即便他们清楚子女不免会遇到一些问题。”

As for Shen’s online shop: She has adapted to college life for the time being and her parents are happy to see that the “monthly expense” price tag is falling.

就拿沈君一的网店来说：她目前已经习惯了大学生活，而她的父母也开心地看到“每月开支”正在降价。

“My mother said taking control of money is my first step into adulthood,” said Shen.

“妈妈说，理财是我迈向成人世界的第一步。”沈君一说道。