Shownotes Transcript
*NEWS ON 11/26INVESTING CAN GIVE YOU AN EDUCATION BUT THEY’RE DOING IT THE EASY WAY在线投资想赚钱？视频平台教会你！*Ant Fortune’s data shows that, during the 7 years from 2013 to 2020, users made a total revenue of more than 400 billion yuan, with active investors on the site topping more than 500 million people as of June last year. More investors are turning to the new online platforms for wealth management, but how do you educate them about the ins and the outs of that? The answer is online investor education, as Zhang Shixuan has been finding out.Lights. Camera. Finance! In his iconic suit and red tie, Ma Hongman is an internet star, but not for public entertainment. He teaches financial and economic knowledge, and his content is so popular that, just half a year after his debut on short video platform Bilibili, he had more than 100,000 fans there. Ma’s followers are in the younger age brackets, with most on Bilibili ranging in ages from 20 to 30. One of his most popular videos was titled financial management guidance for youngsters.Ma HongmanFinancial Professional Video Uploader**Young people develop financial knowledge in depth, and once they follow me, very few people cancel their following. I usually upload commentaries about economic phenomenon. For example, every year’s Double Eleven Shopping Festival, we see the figures climbing. But I tell them if that implies some structural changes on internet platforms or changes in consumers behavior. And I also talk about economic principles and the potential risks behind the success of livestreaming e-commerce.年轻人对财经知识有纵深度，掉粉的问题不严重，分享的第一大类就是经济现象，每天很多财经新闻，如果不了解新闻背后的实际指引，缺少谈资。比如双十一，每年数据都在增长，但是背后有什么结构性变化，互联网平台的修正消费者行为的变化，直播带货的火热，背后的成功的经济学逻辑，要点是什么？将来的风险？我就会作为解读，把背后的价值知识传递。Ma now has more than 520,000 followers on Ximalaya, and more than 250,000 fans on Bilibili. Many say they have benefitted from the online content, including 25-year-old Ni Jiawei who started to check financial information online 2 years ago, right after he began investing in stocks and funds. S2: Ni JiaweiInvestor*Their biggest function is to help me avoid risks. It’s hard for individual investors to understand the current market. Through reading professional information, I can know which sectors may be out of date, and what may become the main profit makers in the future.最大的作用是避雷排坑，现在的行情作为个人投资者很难看懂的，通过这些资讯、专业解读，能知道板块的景气度过去了，不投这些。也会解读预期未来收益。比如国家政策的扶持方向，接下去进行相应的投资分配。The online references have brought him a return rate of 10%. Zhang Shixuan*ICS Reporter **People born in the 1990s made up more than half of all new fund investors in China last year. According to a report by Renmin University and the Ant Group, the most active investor group in financial management products online now is aged 21 to 35, most of whom grew up along with the digital internet era. Looking to the new trend, financial service providers have been uploading more educational content online.Shanghai Stock Exchange now offers educational videos on its official website, with updates on the latest financial news and share debuts. Ant Finance started to provide investor education services on Alipay in 2016, and so far it’s attracted almost 400 million users. **Lu Kefeng, Manager **Ant Group Investor Education BasePreviously, we mainly provided videos, livestreaming and Questions and Answers. We will introduce comics and articles about new ways of investor education later. And we want to work with the whole industry, including institutions and supervisory departments to reach out to users in any way they like.之前我们做的比较多的是视频、直播、答题，现在也在想新的活动形式，漫画、文章等，我们也想得到行业机构、监管的支持，未来希望通过全行业联合，在平台上通过用户喜欢的方式触达用户。Just this week, short video app Douyin acquired approval to establish a provincial-level online investor education base. But experts warn that to keep up with the younger generation’s investment behavior, financial service providers as well as video site operators need to make some improvements.**Liu Liang, Research Professor **Institute of Applied Economics, SASSYoung people usually pay more attention to the money they can make, with less consideration about the risks involved. So financial product sales firms should provide risk evaluation ability for their products with professional analysts. And its video sites’ responsibility to supervise the video uploaders, and the derivative products they’ve talked about.从年轻人的特点来说，对投资产品更多带着增值的目的，对风险考虑少，所以做销售推广的平台应该自身对产品有风险评估能力，要有专业分析人员。视频网站要对推广视频的人员要有审查，这是平台的责任，平台有责任对推广视频的和理财产品有关的人，以及未来由此带来的投资衍生品、收益等有义务做监管。A total of 1,432 funds were established in 2020, raising an unprecedented total of 3.2 trillion yuan. Almost 1.2 billion mutual fund accounts had been opened in China as of August of this year, and they had paid out a total of 3.3 trillion yuan in dividends to investors. So the investors are getting an education all right, and so far it seems to be a successful one.