当代大学生的理财现状、影响因素与对策研究  

Research on Present Situation,Influencing Factors and Countermeasures of Financial Management of Contemporary College Students

作　　者：廖思语 LIAO Siyu(Western Michigan Institute,Guizhou University of Finance and Economics Guiyang,Guizhou 550001)

机构地区：[1]贵州财经大学西密歇根学院,贵州贵阳550001

出　　处：《中国商论》2022年第3期82-84,共3页China Journal of Commerce

摘　　要：当代大学生理财现状主要表现在以下方面:费用来源渠道单一,基本来自父母;绝大多数学生的理财意识有限;理财知识和技能缺乏。影响大学生理财能力的因素:一是家庭理财教育不足,很多家长忽视了对孩子消费及理财意识的培养;二是理财教育课程缺失,不少高等院校没有设置理财教育相关课程,学生获得理财知识主要是通过网络和银行宣传;三是大学生自身的局限,消费心理还不太成熟,生活费主要来源于父母,资金有限。提高大学生理财能力的对策主要有:家庭应帮助孩子树立理财意识;学校应重视理财教育,设置理财课程,配备优良的师资队伍等;大学生应积极主动提高自身的理财能力。The financial management status of contemporary college students is shown mainly in the following aspects:the cost source channel is unitary that basically all comes from parents;the financial management awareness of most students is too weak and they lack financial knowledge and skills.Factors affecting college students’financial ability are as follows:First,family financial education is insufficient,and many parents ignore the education of children’s consumption and financial awareness.Second,many colleges and universities are short offinancial education lessons,and do not set financial education related courses.Students acquire financial knowledge mainly through the Internet and bank publicity.The third factor is the limitations of college students themselves.Their consumption psychology is not mature,the cost of living mainly comes from their parents,and the funds are limited.The countermeasure to improve college students’financial management ability mainly include:families should help their children to develop financial awareness,schools should pay attention to financial education and setting up financial courses which equipped with excellent teachers and so on.College students should proactively improve their financial ability.

关 键 词：大学生 理财现状 影响因素 理财教育 对策 

分 类 号：F832[经济管理—金融学]