稳金融背景下的大学生财经素养通识教育模式研究:基于大学生使用互联网消费信贷产品的调查

Research on college students'financial literacy education mode under the background of“stabilizing finance”:A survey of college students'use of internet consumer credit products

随着经济的发展,互联网消费信贷产品所占市场份额快速扩大,大学生可支配资金越来越多,其使用互联网信贷产品的基数、频率急剧上升,然而各类大学生金融风险事件也层出不穷.本文在“稳金融”的国家战略发展理念下,以当前互联网生态和财经通识教育现状为出发点,通过调查大学生使用互联网消费信贷产品的现状以及风险认知后发现大学生财经素养缺失可能将给国家金融稳定的可持续性带来严峻挑战,由此提出了“三元·三层·三导”的高校财经素养通识教育优化方案.

With the development of economy,the market share of internet consumer credit products is also expanding rapidly.As college students'holding more disposable funds,the base and frequency of using on-line credit products are also rising,which leads to various kinds of college students'financial risk events.Under the background of the new-raised national strategy“stabilizing finance”,this paper analyses the current situation of internet ecology and general education of finance and economics,investigates the status quo of college students'use of internet consumer credit products through a survey,and finds that the lack of financial literacy education may bring severe challenges to the sustainability of national financial stability.Therefore,this paper puts forward the optimization scheme of“three elements,three layers and three guides”for general education of financial literacy in colleges and universities.