大学生理财现状及影响因素研究

Study on the Current Situation and Influencing Factors of College Students’ Financial Management

近年来国民经济不断发展,人民生活水平持续提高,大学生越来越深入地参与到金融理财活动中。为了探究大学生理财的主要影响因素,本文在对广西大学学生理财问题进行问卷调查的基础上,运用logit模型进行实证分析。根据问卷调查结果,大学生投资理财的资金来源单一且有限;对理财知识了解程度不足,理财方式保守;风险承受能力较弱,偏好低风险的理财产品。实证回归发现,影响大学生投资理财的因素包括:风险偏好情况、理财氛围、家庭阶层。进一步研究发现,大学生风险偏好对理财行为的影响不受金钱重视程度的干扰;金钱重视程度会弱化理财氛围及家庭阶层对大学生理财行为的影响。针对上述研究结果,本文从大学生积累资金,丰富理财知识;家庭、学校与社会营造良好理财环境;金融机构放宽理财门槛,创新理财产品;政府健全农村金融服务体系,加强金融监管四个角度提出对策及建议。

In recent years, the national economy has been developing continuously, people’s living standard has been improved continuously, and college students are more and more deeply involved in financial management activities. In order to explore the main influencing factors of college students’ financial management, this paper carries out empirical analyses using the logit model on the basis of a questionnaire survey on financial management problems of students in Guangxi University. According to the results of the questionnaire survey, college students have a single and limited source of funds for investment and financial management;they have insufficient knowledge of financial management and conservative financial management;they have a weak risk tolerance and prefer low-risk financial products. Empirical regression found that the factors affecting college students’ investment and finance management include: risk preference situation, financial management atmosphere, and family class. Further research found that the influence of college students’ risk preference on financial management behaviour is not interfered by the degree of money importance;the degree of money importance weakens the influence of financial management atmosphere and family class on college students’ financial management behaviour. In view of the above findings, this paper puts forward countermeasures and suggestions from four perspectives: college students’ accumulation of funds and enrichment of financial knowledge;creation of a good financial environment by families, schools and society;relaxation of financial thresholds by financial institutions and innovation and improvement of financial products;and the government’s improvement of the rural financial service system and strengthening of financial supervision.