余额宝收益下行“90后”反而“报复性”存钱？ 随着余额宝收益下行， “90后”不仅没有逃离余额宝，反而开始“报复性”存钱了？ 中国新经济研究院联合支付宝日前发布的《余额宝90后攒钱报告 》（2020版）显示，上半年，“90后”更爱攒钱了：人均攒钱金额比2019年增长近四成。 有意思的是，“90后”更倾向于从一笔笔“小钱”开始攒，有六成平均每笔攒钱金额在20元以下… … 用余额宝攒钱，也成为“90后”的攒钱习惯。 数据显示，在7亿余额宝用户中，有1.34亿用户是“90后” 。 中国有1.74亿“90后” ，也就是说，全国每4个“90后”中约有3个在用余额宝攒钱。 目前，余额宝等货币基金的7日年化收益率从年初高于2%的水平，下滑到1.5%左右。 即使如此，也没有影响“90后”攒钱的步伐。 而在余额宝“攒钱效应”提升背景下，不少习惯使用余额宝的年轻人还直接转化为“基民”。 支付宝数据显示，截至7月13日，近一个月支付宝上的新“基民”同比增长1倍多，越来越多年轻人在支付宝上实现“进阶”理财。 有分析师认为，资金从余额宝流入股市，也是6月货币基金份额明确下滑的重要原因。 报告还显示，“90后”女生更倾向于多攒钱，平均比男生攒钱金额高两成；在支付宝平台上持有基金的用户中，6成是男性，女性与男性相比倾向于选择更为稳健的理财方式。 存钱之后，“90后”有何计划？ 支付宝数据显示，“90后”有为目标攒钱的习惯，将旅行作为攒钱目标的用户最多。 受疫情影响，许多“90后”攒钱为疫情后的旅行做准备；电影院恢复营业，也为从攒钱转向消费提供了新途径。
Yu Ebao's Revenue Declines, But "Post-90s" to Save Money "in a Retaliatory Way"? With the decline in the income from Yu Ebao, the "post-90s" did not only escape from it, but began to save money in a "retaliatory" manner? The "Report on Yu Ebao Savings of Post-90s" (2020 version) recently released by the China Institute of New Economics and Alipay shows that in the first half of the year, "post-90s" love to save money more than before: the average amount of money saved per capita has increased by nearly 40% compared to that of 2019. What’s interesting is that "post-90s" tend to start saving from “small amounts”, and 60% of the savings are less than RMB20 each... Saving money with Yu Ebao has also become the habit of saving money for "post-90s". Related data indicate that among the 700 million Yu Ebao users, 134 million are "post-90s". There are 174 million "post-90s" in China, that is to say, about 3 out of 4 "post-90s" in the country are using Yu Ebao to save money. At present, the 7-day annualized rate of return from currency funds such as Yu Ebao has fallen to around 1.5% from a level of higher than 2% at the beginning of the year. Even so, it did not affect the pace of saving money by the "post-90s". In the context of enhanced Yu Ebao's "money saving effect", many young people who are accustomed to using Yu Ebao have also directly become into "fund investors". According to Alipay data, as of July 13, the number of new "fund investors" on Alipay more than doubled year-on-year in the past month, and more and younger people have "upgraded" their wealth management practices on Alipay. Some analysts believe that the flow of funds from Yu Ebao into the stock market is also an important reason for the clear decline in the share of money funds in June. The report also shows that "post-90s" girls are more inclined to save more money, which is on average 20% higher than that of boys, 60% of users who hold funds on the Alipay platform are men, and women tend to choose more robust financial management methods compared with men. After saving money, what plans do the "post-90s" have? Alipay data indicate that "post-90s" have the habit of saving money for their goals, and the most users make travel as their goal. Affected by the pandemic, many "post-90s" save money to prepare for post-pandemic travels, and the reopening of movie theaters also provides a new way for them to switch from saving money to start consumption.