校園生活:大學新生遭遇理財危機
Shen Junyi’s online “shop” provides a stable income every month, even though it only has a single customer – her mother.
沈君一（音譯）的“網店”月收入穩定，儘管顧客只有她媽媽一個人。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.
這位就讀於上海大學的19歲大一新生選擇在網上“出售”自己每月的開銷，當然客戶羣只面向自己的父母。此舉開創了上海高校學生理財的先河。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.
專家表示，理財一直以來都是大一新生們的一塊心病。由於大學生大都由家長資助，他們也發現如何去理財、應對父母監督是件棘手的事。
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.
雖然有關部門叫停了大學生信用卡，但陝西師範大學的大一新生李建興（音譯）還是從父親那裏拿到了一張信用卡附卡。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歲的他對此深惡痛絕。每次李建興一刷卡，他的父母都會打電話問買了什麼，更頭疼的是，還要問購物緣由。“I feel like they’re spying on me,” says Li. “Plus, they can check my whereabouts simply through short messages from the bank.”
“我感覺像他們在監視我，”李建興說。“此外，他們可以通過銀行發送的短信輕鬆掌握我的全部行蹤。”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.
對於李建興而言，至少還有好消息：他自從升入大學後，從未超出過每月2000元的預算，而他身邊的很多同伴都因過度開銷而身陷財務危機。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.
來自新疆農業大學綜合管理辦公室的朱涵宇（音譯）表示，大學生開銷失控的狀況十分普遍。“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.”
“升入大學前，一切都有父母以及家長的照料，”朱涵宇說。“如今，由於缺乏預算控制方面的認識，還沒來得及發現，便已‘彈盡糧絕’了。”This is why Zhu thinks parental control over their offspring’s budget is necessary.
朱涵宇認爲，這正是父母需要掌控子女理財大權的原因。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.
而來自深圳大學學生事務處的高民（音譯）卻並不認同這一觀點。他說學會消費以及儲蓄是大一新生獲得獨立的當務之急。“Experiencing the anxiety and pressure of bad financing is good for students to learn,” said Gao. “Students have been controlled for too long.”
“對於學生而言，能夠體驗到財務危機帶來的那份焦慮與壓力並非是壞事，”高民說。“學生們已經以前被管得太久了。”Some students say that parental control actually causes them more pressure on campus.
一些學生表示，事實上，家長的管控爲自己的校園生活更添壓力。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.
每個月，曲星新（音譯）的父母都要求他給出一份記錄日常開銷的賬本。這名來自濟南大學的19歲新生表示，記錄這些瑣碎的開銷實在是件既耗時又費力的事。“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讀書十分不易，但我感覺自己還像是一名高中生，所有事都要向父母彙報。”Gao suggests that consistency and communication would help both freshmen and parents.
高民表示，言行一致與保持溝通或許可以助新生與家長一臂之力。“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.”
“學生需要讓父母知道，他們可以通過控制自己的消費習慣來掌控預算，”高民說。“而家長則應該放開手，即便他們清楚子女不免會遇到一些問題。”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.
就拿沈君一的網店來說：她目前已經習慣了大學生活，而她的父母也開心地看到“每月開支”正在降價。“My mother said taking control of money is my first step into adulthood,” said Shen.
“媽媽說，理財是我邁向成人世界的第一步。”沈君一說道。
