The country's young people born between 1990 and 1999 began to manage their money at 23 years old on average, about 10 years earlier than their parents, according to the report.

报告显示，“90后”首次开始理财的平均年龄是23岁，比父母辈第一次接触理财早了10年。

The digital credit platform Huabei is also a popular service among the younger generation as they know how to make the most out of the credit service while avoiding overspending, the report showed.

年轻一代还很喜欢用数字信用服务平台“花呗”，因为他们知道如何充分利用信用服务来避免过度支出。

“90后”出生的时候，互联网已经较为普遍，所以这一代人被称为“数字原住民”(digital natives)。

There's a whole generation of individuals for whom concepts such as the internet and wireless technology are just humdrum, because they've never lived in a world where they didn't exist. These are the so-called digital natives.

有一代人从出生就已经习惯有互联网和无线技术的陪伴，对他们来说，这些数字技术丝毫不稀奇。这一代就是我们所说的“数字原住民”。

调研显示，90%的“90后”使用花呗并非因为想要提前消费，而是因为希望“省钱”(save money)和“占便宜”(make the most of the service)。大量“90后”在调研中表示“自己先用花呗额度消费，把钱先存起来，这样可以多赚一个月的收益”。

对比他们的余额宝和花呗发现，“90后”每月在余额宝攒的钱，平均是其花呗账单的4.5倍(the money they put in Yu'ebao is 4.5 times as much as they pay through Huabei)。

上海社科院原副院长、研究员何健华表示，

The younger generation, growing amid rapid internet developments and abundant applications, are independent and smart with their money.

年轻一代成长于互联网飞速发展及各种应用层出不穷的年代，这代年轻人也有强烈的独立意识，对财富精打细算。

【相关词汇】

理财 wealth management

互联网金融服务 online financial services

不合理消费 unreasonable consumption

量入为出 live within their means