The offline product line serves families aged 30-45, and the online product line targets individuals aged 25-45 who have Internet usage habits. The reason why the target group of online products is younger and covers young people in their twenties is that as of 20 14, 12, among the nearly 650 million netizens in China, more than 55% are concentrated in the age group of 20-39. Individuals over the age of 25 usually have a relatively stable job on the one hand, thus having a long-term stable cash flow; On the other hand, I began to think about getting married, so I have both basic conditions and basic needs for investment and financial management. The study of financial quotient becomes necessary at this time. In addition, the habit of using the internet is human-computer interaction-people and computers or pads, people and mobile phones, so online learning is aimed at individuals, not families.