财商教育视角下大学生积极财商行为的对策研究

Research on the Countermeasures of Positive Financial and Business Behavior of College Students under the Perspective of Financial and Business Education

大学生消费行为的现状和问题主要是大学生整体消费水平提高,但消费差距两极化明显;大学生的消费结构更加多元化,生活消费是主要方向;消费支出的来源主要是父母,网贷消费成为新趋势,同辈和校园环境影响消费。从学校、政府、社会、家庭以及个人视角维度来看,财商教育的现状存在一些问题。同时,论文从学校、政府、社会、家庭以及个人等维度给出大学生积极财商行为的对策建议。

The current situation and problems of college students'consumption behavior mainly include:the overall consumption level of college students has increased,but the consumption gap is obviously polarized.The consumption structure of college students is more diversified,and life consumption is the main direction;the source of consumption expenditure is mainly parents,and online loan consumption It is a new trend that peers and school environment influence consumption.There are some problems in the current situation of financial and business education from the perspectives of school,government,society,family,and individual dimensions.At the same time,it gives countermeasures and suggestions for the positive financial and business behavior of college students from the perspectives of school,government,society,family and individual.