大学生网络理财现状、问题及对策

Analysis on the Current Situation,Problems and Countermeasure of Internet Financing of College Students

作为在互联网时代成长的当代大学生,对新观念新技术的接受能力较强,有较高的自主理财意识,有些大学生喜欢网络理财。但大学生理财经验缺乏,止损能力有限,对各类理财产品的风险认知不足,加上有的网络借贷平台缺乏规范性,大学生理财失败现象时有发生,有的甚至陷入骗局,因此,亟需学校、家庭、社会等从不同层面给大学生营造良好的理财环境,加强财商教育,增强安全意识,提升理财技能。

College students today have grown up in an era of internet.They are more receptive to new concepts and technologies and they have high financial awareness,and some of them like internet financing.However,due to their lack of financial experience,limited ability to stop loss,insufficient risk perception of various financial products,and plus the fact that certain internet lending platforms lack normalization,college students might sometimes encounter financial failure,some even fall into traps.It’s high time schools,families and the society created a sound environment from different aspects for college students to manage their money,enhance their financing education,promote their sense of safety,so as to improve their skills in financial management.