投资者"双节"把钱放在哪儿？ 老中青理财偏好大画像 本报记者 田 鹏 "假期前赎回了部分股票基金，打算节后看看市场再决定是否加仓""刚把攒的实习工资买了短债基金， 先试试水""给孙子配置了教育金保险，自己的养老金账户也加了点'固收+'"……在这个超长假期中，不 同年龄段的投资者在休闲之余，也在积极规划资产配置。 值得一提的是，Z世代对投资领域的新鲜事物展现出极强的敏感度与接受度，从创新型理财产品到尚在 成长的新兴投资赛道，他们总能第一时间关注并积极尝试，让严肃的投资过程多了几分"探索乐趣"。 例如，北方大数据交易中心上线积分数据交易板块后，不少对数字经济感兴趣的Z世代迅速"入局"。刚 接触该板块的互联网行业从业者小任就直言："之前从没接触过数据类投资，这个板块不仅门槛不高， 还能顺便了解数字资产的价值逻辑，比单纯买基金多了点'新鲜感'。"这种将投资行为与新鲜知识探索 结合的选择，正是Z世代投资偏好的典型体现。 中年人：兼顾"收益+抗风险" 步入30岁后，投资者逐渐进入"上有老、下有小"的人生阶段，投资偏好从"试错"转向"务实"——既要追 求一定收益以应对家庭开支，又要通过分散配置降低风险，核心需求是资产稳健增 ...

Core Insights - The Northern Big Data Trading Center (referred to as "Beishu") has officially launched a points data trading section, enhancing its platform capabilities and driving innovation in the national data factor market [1] Group 1: Innovative Model - Beishu has developed the first domestic trading platform for consumer points data, named "Shufen Tong," utilizing cutting-edge technologies such as blockchain and smart contracts [2] - The platform allows users to freely transfer idle points through a "real consumption + smart listing" model, ensuring transparent and trustworthy transactions, thus creating a virtuous cycle of "consumption - points - trading - re-consumption - data value enhancement" [2] - The brand "Jindian Yichong," operated by Beijing Jindian Chuangzhi Technology Co., Ltd., is the first practitioner of this cycle, focusing on building a nationwide intelligent charging network for electric bicycles and cars, serving over 1.4 million customers [2] - The trading volume of "source power value" has exceeded 80,000, demonstrating market vitality in the circulation of consumer data [2] Group 2: Ecological Collaboration - Beishu plans to collaborate with operators, financial institutions, and consumer merchants to deeply integrate points trading with derived services from consumer data [3] - By activating points circulation, high-value data products such as consumer behavior analysis and regional consumption trend forecasting will be developed to empower precise decision-making for enterprises [3] - Beishu aims to expand multi-industry cooperation and explore innovative scenarios for points consumption data applications and data trusts, establishing a unified national market for consumer data [3] - The company is committed to contributing to the construction of a digital China with its "Tianjin solution" by leveraging technology and compliance for high-quality development [3]