大学生消费特征与高校财商教育——以衡水学院为例

College Students' Consumption Characteristics and Financial Intelligence Education ——Taking Hengshui University for Example

大学生消费问题一直是高校工作者关注的焦点之一,大学生消费状况直接反映了该校的学风建设及素质教育的水平,而财商教育是高校素质教育的一部分,是解决大学生消费问题的一个有力武器.衡水学院学生的消费特征是主流消费状况合理有序,个别消费问题突出.对此,完善高校财商教育应采取多种措施:开放思想,引导正确的消费观;停止说教,采取多渠道、灵活式教育方法;利用财经类教育资源,提升学生的理财素养;有的放矢,重点关注处于两极的学生.

The issue of college students＇consumption has always been one of the focuses of attention to university staff, for it directly reflects the construction of the academic atmosphere and the level of quality education of a university. Financial intelligence education, as part of quality education, is an effective means to solve college students＇ consumption problems. Based on the consumption characteristics of students from Hengshui University that most students are rational in consumption while very few of them have some problems, this paper puts forward some countermeasures to improve the financial intelligence education, that is, teachers should emancipate the mind and guide students to have correct views of consumption, stop preaching and adopt various and flexible education methods, use the financial education resources to improve students＇ financial literacy, and have a definite object in view to pay more attention to the polarized students.