互联网金融背景下的大学生理财行为研究综述

A Review of Researches on University Students’Financial Management Behaviors in the Context of Internet Finance

近年来互联网金融的繁荣带动了投资理财行业的变革,人们的理财方式呈现出由传统银行储蓄转向互联网理财的趋势。随着国民收入的提高,大学生获得的可支配资金随之增加,作为与互联网具有高度黏性的一代,大学生是未来互联网理财市场的主力军。本文梳理了近年来关于大学生互联网理财的主要研究成果,试图形成一个相对统一的分析框架并建立规范的理论架构。文章主要讨论了大学生互联网理财行为的特征,从内部和外部分别探讨了影响其投资行为的因素,并基于此归纳得出结论,为互联网理财平台提出建议。

In recent years,the prosperity of Internet finance has driven the transformation of the investment and wealth management industry.People’s financial management methods have shown a trend of shifting from traditional bank savings to Internet wealth management.With the increase of national income,the disposable funds obtained by college students will increase accordingly.As a generation with a high degree of stickiness with the Internet,college students in the new era are the main force in the future Internet wealth management market.This article sorts out the main research results on internet financial management for college students in recent years,trying to form a relatively unified analysis framework and establish a standardized theoretical framework.The article mainly discusses the characteristics of college students’Internet financial management behaviors,the factors that affect their investment behaviors from internal and external factors separately and then draws conclusions and makes recommendations for Internet financial platforms.