据一项针对大学生消费习惯的调查显示，94%的大学生依靠父母或亲戚支付生活费，超三成学生钱不够花。

　　The study by education consultancy MyCOS found the monthly expenses of college students are 1,212 yuan ($176) excluding tuition and transportation costs between home and school.

　　教育咨询机构麦可思的一项研究报告发现，大学生的每月开销为1,212人民币(176美元)，其中，学费以及家与学校之间的往来交通费不包含在内。

　　Among 1,289 respondents, male students spent money mainly on nonessential food (including snacks and drinks), personal image, socializing and entertainment. Spending on telecommunication-Internet (31 percent) and digital electronic products (16 percent) was 7 and 11 percentage points higher than female students respectively.

　　在1,289名大学生受访者中，男生的开销主要集中在非正餐(零食和饮料)、个人形象、社交和娱乐方面，其中，通讯和互联网(31%)以及电子产品(16%)的开销占比比之女生分别高出7个和11个百分点。

　　Spending by female students on items related to personal image was 24 percentage points higher than the opposite gender.

　　而女生在个人形象方面的开销则比男生高24个百分点。

　　Three core elements affecting student purchases are prices, quality and preference rather than brand or marketing initiatives, said the report, adding it shows most students are relatively rational in their spending.

　　报告还称，影响大学生消费的三个主要因素为价格、质量和个人喜好，品牌和营销手段并未列入其中，这表明多数学生的消费观相对较为理性。

　　The survey also found that 57 percent of college students have money management practices. A total of 42 percent bought online financing products, including Yu’ebao from Alibaba’s Ant Financial. This was followed by 24 percent of students who save money in the bank, 3 percent who invest in stocks and 2 percent who use peer-to-peer lending platforms.

　　调查还发现，57%的大学生都有理财行为。共有42%的受访学生购买了互联网理财产品，其中包括阿里巴巴旗下蚂蚁金服的余额宝，排名第二的是银行储蓄，占到总人数的24%，还有3%的学生投资股票市场，仅有2%借助P2P借贷平台进行理财。

　　Some 41 percent of respondents said they have enough money to meet every day needs and still keep a balance. But 32 percent found themselves occasionally or frequently short of money.

　　约有41%的受访者表示，他们的钱足以满足每日开销且仍有盈余;而32%的受访者则表示会偶尔或经常面临钱不够花的窘境。

　　Faced with a cash shortage, 43 percent would give up spending, 40 percent would seek help from parents and 15 percent choose to borrow money from friends.

　　在缺乏资金的情况下，43%的学生选择放弃消费，40%则会向父母寻求帮助，仅有15%向朋友借钱。

　　The survey also found that 39 percent of students use loan services. It suggests that colleges should help improve financial awareness and spending behavior among students.

　　调查还发现，使用银行贷款的学生人数占受访总人数的39%。这表明大学应帮助学生提升理财意识并引导正确的消费行为。