大学生理财行为分析及提升建议——基于非理性经济人视角

Analysis and Promotion Suggestions on Financial Management Behavior of College Students-From the Perspective of Irrational Economic Man

互联网金融的发展为大学生带来了更多的机会去接触投资理财知识,他们尝试去参与互联网平台上的投资理财,期待手中的闲钱增值,但往往会出现预期偏差,达不到理想效果。为研究大学生的理财行为,分别从专业方向,零用钱规划,投资理财知识、经历及需求等方面设计调查问卷,了解大学生的理财行为,从非理性经济人视角分析大学生在理财中出现预期偏差及非理性行为的原因。在此基础上建议通过完善大学生的投资理财环境、强化大学生投资者教育环节、建立大学生理财学习和实训平台,引导其树立科学的理财观念,积极参加合理、正确的理财活动,提升理财效率,避免非理性理财行为。

The development of Internet finance has brought more opportunities for college students to get the knowledge of investment and financial management,then they try to participate in the investment and financial management on the Internet platform and expect the value-added spare money in their hands,but there are often expectation deviations and can not achieve the desired effect.In order to study the financial behavior of college students,a questionnaire survey was designed from the aspects of professional direction,pocket money planning,investment and financial knowledge,experience and needs.The reasons for the expectation deviation and irrational behavior of college students in financial management were analyzed from the perspective of irrational economic man.On this basis,it puts forward suggestions to improve the investment and financial management environment of college students,strengthen the education of college students'investors,establish a platform for college students'financial management learning and training,guide them to establish a scientific concept of financial management,actively participate in reasonable and correct financial activities,improve financial management efficiency and avoid irrational financial behavior.