高等农业院校大学生理财现状调查研究  

A Questionnaire Survey of the Current Situation of Students' Financial Management in Agricultural Colleges and Universities

作　　者：胡欣然[1] 耿景珠 吴美婷 司晓岑 杜娟[1] 彭艳斌[1] HU Xin-ran GENG Jing-zhu WU Mei-ting SI Xiao-cen DU Juan PENG Yan-bin(College of Economics and Management,Shenyang Agricuhural University, Shenyang 110161, Liaoning Province, China)

机构地区：[1]沈阳农业大学经济管理学院,辽宁沈阳110161

出　　处：《沈阳农业大学学报（社会科学版）》2016年第6期681-685,共5页Journal of Shenyang Agricultural University(Social Sciences Edition)

基　　金：辽宁省社会科学规划基金项目(L12DGL037)

摘　　要：大学生作为社会投资理财的潜在群体,理财观念的塑造培养对其今后的就业选择和自我发展有重要影响,甚至关系未来社会的经济发展。以沈阳农业大学在校大学生为调查对象,以大学生理财现状为切入点,以银行存款、余额宝等互联网基金、股票基金等理财产品为主要分类,调查结果发现,大学生的月生活费集中在1000~1500元之间,且主要来源于家庭供给。相当一部分大学生不会对每月支出有计划,也没有剩余。这一方面体现出大学生收入来源单一,缺乏资金,另一方面也反映出大学生缺乏理财常识,不会做基本的财务规划。大学生理财安全意识较强,但整体理财意识较为薄弱,且理财习惯根深蒂固,缺乏系统性的理财知识教育和正确引导。男生理财风险偏好程度高于女生,高年级风险偏好程度高于低年级,不同专业风险偏好程度存在差异,因此,大学生应提升自身理财素养,高等学校应提供大学生必要的理财知识,金融机构应提供适合大学生的理财服务,大学生家长应培养子女正确的理财观念。College students constitute a potential group of social investing and financing. Cultivating their financing concept has important influence not only on their future employment and self-development but on the economic development of future society. With students of Shenyang Agricultural University as objects, a questionnaire survey was conducted, in which the current situation of student financial management was the entry point and such financing products as bank deposit, internet fund （e.g. Yu＇ebao） and equity fund were main contents. Result showed that the monthly living expenses of the college students were between RMB 1000 Yuan and RMB 1500 Yuan, which came mainly from their families; quite a number of students did not plan for their monthly expenses and had no money left, which suggested that the students＂ income had a single source and lacked of fund on the one hand and they also lacked of the common sense of financial management and thus were unable to make even a basic financial plan on the other hand; the college students＂ safety awareness of financial management was relatively strong but their sense of overall financial management was relatively weak and their financial habits were ingrained and took shortage of systematic financial education and correct guidance; and boy students＂ risk preference was greater than that of their girl counterparts, senior students＇risk preference was greater than that of their junior counterparts, and students from different majors varied in risk preference. Therefore,college students should try to improve their financial literacy, colleges and universities offer necessary financial knowledge to their students, financial agencies provide them with suitable financial services, and college students＇parents help their children to develop correct financing concepts.

关 键 词：高等农业院校 大学生 投资理财 消费行为 余额宝 股票基金 

分 类 号：G647[文化科学—高等教育学] G645.5[文化科学—教育学]