财务风险管理视角下大学生财经素养培育路径研究

Study on cultivation path of college students’financial literacy from perspective of financial risk management

随着金融服务与产品的多样化和复杂化,大学生面临越来越多的个人财务风险管理问题。因此,提升大学生财经素养显得尤为紧迫和必要。基于755个调查数据,采用文献法、问卷调查法,实证分析了大学生财经素养水平影响因素。结果表明:生源为大城市的大学生财经素养水平显著高于生源为乡镇的大学生,消费谨慎度、财经知识储备度、学校教育度和家庭教育度均对大学生财经素养水平有显著正向影响。基于此,提出加强财经风险宣传力度、完善高校财经教育体系、提升家庭财经教育意识等路径培育大学生财经素养。

With the diversification and complexity of financial services and products,college students are facing more and more personal financial management risks.Based on 755 survey data,using literature and questionnaire survey,we empirically analyzed the level of financial literacy of college students.The results show that the financial literacy level of college students in big cities is significantly higher than that of students from towns,and that consumer prudence,financial knowledge reserve,school education and child discipline have significantly positive effects on college students’financial literacy.Based on this,this paper puts forward some ways to cultivate college students’financial literacy,such as strengthening the publicity of financial risks,perfecting the financial education system at colleges and universities,and promoting the family financial education awareness.