金融知识及其对大学生金融保护意识的影响研究

Financial Knowledge and its Impact on the Financial Protection Consciousness among College Students

根据江西高校大学生金融知识调查数据,运用方差分析及Logistic模型,检验了大学生的金融知识状况、金融知识与大学生特性,金融知识对大学生金融保护意识的影响。研究发现:参与者对调查问题全部回答正确率为18.08%,非经管类专业、女性、低年级、低年龄、很少工作经验以及来自农村学生的金融知识水平较低;金融知识会提高大学生金融保护意识,从而有利于防止网络诈骗。研究还表明,提高国民教育水平是增加金融知识的一个重要途径。在对大学生普及金融知识时,应适当向女性、来自农村地区及非经管类专业学生倾斜。

According to the survey data of college students＇ financial the variance analysis and logistic model, this study examines the students＇ knowledge in Jiangxi province and using financial knowledge, the relationship be- tween financial knowledge and college students＇ characteristics, and the influence of financial knowledge on college students＇ financial protection consciousness. The study finds that： 18.08% participants answer all survey questions correctly students ; the students of non - economics and management specialty, women, students of lower grade and lower age, who have little work experience, and students from the rural areas have lower level of financial knowledge ; Financial knowledge increases the financial protection consciousness, and can prevent online fraud. The research shows that improving the level of national education is an important way to increase financial knowledge. When pop- ularizing financial knowledge for college students, it should incline to women, students from rural areas and students of non - economics and management specialty.