But Suo warns that students should be cautious about online financial products. “In essence, investing in Yu’ebao equals investing in a monetary fund. Though Yu’ebao lowers investment barriers and costs, the risk levels are the same,” she says.
索玲燕副教授提醒学生们对待网络理财产品要谨慎。“事实上，投资余额宝相当于投资货币基金。尽管余额宝降低了投资的门槛和成本，但两者的风险程度相当。”
Li Daokui, a professor of economics at Tsinghua University, pointed out that the biggest risk of Yu’ebao may be the lack of information transparency. “High-risk credit products are the supporting asset of Yu’ebao. These risks are not revealed to individual investors,” he said during an interview on CCTV. “This may result in a squeeze of investment if some investors lose confidence in Yu’ebao,” he added.
清华大学经济学教授李稻葵也指出，余额宝最大的风险在于缺乏信息透明度。“余额宝的背后实际上是高风险信用产品，而这些风险并未披露给个体购买者，” 李稻葵在接受中央电视台采访时表示，“如果一些投资者对余额宝失去信心，就可能导致资金缩水。”
The solution for student investors, Suo believes, is to gain more financial knowledge and understand how financial services operate. “Grasping some basic financing principles can help students in avoiding or mitigating some risks and make wise investment choices,” she said.
索玲燕认为，对于学生投资者而言，解决问题的办法是获取更多金融知识，弄清金融服务是如何操作的。“掌握一些金融理财的基本原则可以帮助学生在投资时做出明智之选，从而规避或降低风险。”她说。