高校大学生理财认知、意愿和行为的调查分析

Investigation and Analysis on Financial Cognition,Willingness and Behavior of College Students in Universities in Guangdong

以广东三所高校部分大学生为调查对象,开展理财认知、意愿、行为的调查,对调查数据,用EXCEL进行整理,SPSS统计软件进行频数分析、多重响应分析、卡方分析和相关性分析。结果表明:大部分大学生的理财认知正确、理财意愿明确,但理财行为亟待加强和规范;女生比男生、理工科生比文科生、中等收入比其他收入学生更重视理财认知,更具有理财意愿;女生比男生、中等收入比其他收入学生有更多的理财行为;理财的认知、意愿、行为之间存在明显的正相关;此调查为高校开展大学生理财教育提供了依据。

Taking college students from three universities in Guangdong as the objects,a survey on financial cognition,willingness and behavior was carried out.The survey data were sorted by EXCEL,and SPSS statistical software was used for frequency analysis,multiple response analysis,chi⁃square analysis and correlation analysis.The results show that:most college students have proper financial cognition and clear financial awareness,but their financial behavior needs to be strengthened and standardized.Compared with male students,female students pay more attention to financial cognition,have more financial willingness and take more financial management behaviors.Students of science and engineering pay more attention to financial cognition and have more financial willingness,rather than students of liberal arts.Middle⁃income students compared with other income students pay more attention to financial cognition,have more financial willingness and take more financial management behaviors.There is an obvious positive correlation between financial management cognition,willingness and behavior.The result provides references for colleges and universities to carry out financial management education.