大学生消费与理财规划现状调查研究

Investigation and Research on the Current Situation of College Students’ Consumption and Financial Planning

由于大学生消费不合理状况存在已久,针对大学生消费与理财规划现状的调查研究有利于改善大学生理财观念,使大学生这一社会群体更为理性的对待金钱。本文以全国各地在校大学生为研究对象,对大学生消费理财规划现状进行问卷调查,得到了大学生消费与理财状况的最新数据,同时发现了大多数大学生无理财规划。最后提出了大学生因丰富自身理财知识、坚持消费记账、提前规划消费、对消费行为进行自我检验等建议,并提出了几种可供大学生选择的理财路径。

As the unreasonable consumption of college students has existed for a long time, the investigation and research on the status quo of college students’ consumption and financial planning are condu-cive to improving the concept of college physical and financial affairs, so that the social group of col-lege students can treat money more rationally. This paper takes college students from all over the country as the research object, and conducts a questionnaire survey on the current consumption and financial planning of college students, and obtains the latest data on the consumption and fi-nancial management of college students. At the same time, it is found that most college students have no financial planning. Finally, it puts forward suggestions for college students to enrich their own financial management knowledge, insist on consumption accounting, plan consumption in ad-vance, and conduct self-examination on consumption behavior, and propose several financial man-agement paths for college students to choose.