大学生理财的分层次群体分析及现实思考

Undergraduates' Financial Management:Hierarchical Group Analysis and Realistic Thoughts

大学生作为推崇前沿、追崇时尚的群体,其对理财的观念和方法的运用日渐受到关注。然而,通过对不同层次大学生群体的分析发现,基于可支配收入水平的不同,对理财问题也持有不同的态度和看法。因此,分层次、分类别的对不同大学生群体进行研究,通过加强大学理财教育、家庭理财教育和营造良好消费环境,都有助于大学生合理、良性理财心理和行为的产生。

Undergraduates are regarded as a group pursuing the cutting-edge and going after the current fashion.Increasing attention has been drawn to their application of concepts and methods in financial management.However,through the analysis of the different levels of the student population,it is found that financial problems also differ in their attitudes and views based on the various levels of disposable income.Hierarchical classification research on different student groups helps them generate reasonable and benign financial psychology and behaviors by strengthening university and family financial education as well as creating a good environment for consumption.