In commenting on this, He Rong, a personal finance manager at a Beijing bank, says that the reason students don ` t pay the money on time is not that they can ` t but because they don ` t manage their account well. 对此,北京银行个人理财顾问何荣表示,学生们不准时还款并不是因为他们还不起,而是因为不善于管理自己的账户。