China News Service, Beijing, February 22: Can young people who are looking for a "money saving partner" achieve their financial management goals?
Author Chen Haoxing
"Tanzi" is a very popular way of socializing among young people in China. It refers to a partnership formed by people with the same interests, hobbies or needs.
Some young people attach great importance to financial planning and use online platforms to find "money saving partners" to achieve financial management goals.
It is understood that there are two main models of "saving money and matching" that are currently popular.
In the first model, a group of young people with savings and financial management goals gather together through a WeChat group chat, and jointly increase the amount of deposits and money management by agreeing to save money and checking in every day and every month in the group chat, supervising each other and sharing financial management experience. Financial planning skills.
This model can allow participants to save more money and learn financial management through "collective power".
The second model uses family members and acquaintances as "partners". Under the premise of high mutual trust, funds are pooled under one person's name to purchase some large-amount financial products with high starting thresholds and high relative returns.
The "helpers" can obtain more considerable financial returns by "gathering sand into a tower".
Pan Helin, co-director and researcher of the Digital Economy and Financial Innovation Research Center of the International Joint Business School of Zhejiang University, said in an interview with China News Service that "saving money and matching" can actually play two roles: first, mutual communication and motivation; Members set common savings goals and supervise each other to enhance their motivation to save money and learn financial management skills; secondly, by pooling their capital advantages, they can achieve "grouping for warmth" and broaden investment channels.
In Pan Helin's view, the main goal of "saving money and matching" is deposits, not high-risk investments.
By brainstorming, "partners" can find relatively low-risk, high-return investment varieties, thereby achieving wealth appreciation and economic security.
This method provides young people with a reliable financial management model, allowing them to quickly upgrade from "financial management novices" to "financial management masters".
Wan Zhe, a professor at Beijing Normal University, believes that China’s economy is undergoing a transition from high-speed development to medium-high-speed development.
Some young people once fell into "over-consumption", but in recent years, young people have tended to consume and save rationally, and the social phenomenon of "saving money to match" has emerged.
She believes that this kind of "saving money and making friends" relationship is similar to a WeChat step competition or a square dance group, which strengthens individual behavioral constraints and changes through mutual stimulation and supervision.
The support and motivation of this kind of social network is particularly important because it provides a mechanism for behavioral guidance and habit formation.
At the same time, experts also remind that when discussing money saving experiences and learning financial management skills with "saving partners", you should also be prepared to a certain extent and do not blindly transfer or remit money to unfamiliar "bank partners".
When managing finances, you should also act within your capabilities and do not speculate blindly.
Wan Zhe believes that whether it is financial management or online social transfers, one must be cautious.
"Saving money and making friends" is a social behavior that is mainly online. You should be on guard against whether it involves illegal activities and pay attention to risks such as transfers.
Luo Xueming, chief expert of Guangdong Modern City Industrial Technology Research Institute, believes that with the development and changes of social economy, personal financial management requires new ideas. We should understand the direction of national macroeconomic policies, adjust financial management strategies in a timely manner, seize opportunities, and avoid risks.
"We must be wary of financial traps and scams, protect property safety, and ensure the stability and security of personal finances." Luo Xueming said.
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