大学生理财现状及对策研究

随着社会经济的快速发展,各种金融经济活动早已渗透人们日常生活之中贯穿一生,理财已经成为人们日常生活必备的重要技能之一。大学生作为新时代的接班人,未来经济活动的重要参与者,理应提前学习和掌握理财知识与技能。然而由于之前有关家庭、学校及社会等理财教育的不足,导致目前大学生的"财商"大都处在比较低的现状。因此,在大学时期,通过各种有利的方法培养他们的理财兴趣,提高他们的理财素养,让他们接受正确的理财教育,为他们以后步入社会有重要意义。文章通过相关调查对目前大学生的理财现状进行分析研究,得出相应的问题,最后提出改善的措施与方法。

With the rapid development of social economy, various financial and economic activities have already penetrated people's daily lives, and financial management has become one of the most important skills for college students. As a successor to a new era, college students are important participants in future economic activities. They should learn and master the wealth management knowledge and skills in advance. However, due to the inadequacies of financial education in families, schools and the community before, most of the current "financial quotient" of college students are at a relatively low level. Therefore, during the period of university, cultivating their interest through various methods of financial benefit, improving their financial literacy, and making them accept the right reason Financial education are of great significance for them to enter the society. This paper analyzes college students' financial management through relevant investigations, finds out the corresponding problems, and finally puts forward some measures and methods for improvement