互联网金融理财概述-信息化建设中心-广东轻工职业技术学院.DOC

广东轻工职业技术学院 “挑战杯”课外学术作品 题 目: 广东省大学生互联网金融理财投资的现状、问题和建议 ----基于2297份调查问卷的实证分析 姓 名: 孙馥珍、谢仰纯、傅映妮、 邱少曼、王媛、苏颖琳 学 院: 广东轻工职业技术学院 专 业: 经济系国际贸易专业 班 级: 国贸121班 二〇一四 年 十二 月 十二 日 摘 要 2013年末，余额宝上市，因其“低门槛和高收益”，迅速得到网民的追捧并带动了其它互联网金融理财产品的问世，同时也吸引了不少大学生参与投资。通过对广东省121所高校的调查，发现以余额宝为代表的互联网金融理财产品在广东省大学生中的关注度超过85.51%，实际参与投资的学生有63.21%。调查数据显示，大学生理财市场前景广阔，但调查也显示，仅有7.35%的学生十分了解投资风险，很大部分的学生实际上缺乏专业的投资理财知识和理财意识。 调查中也发现诸如网络安全、法律监管和学生抗投资风险能力差等问题。因此，研究建议高校、政府有关部门和理财机构等应当做好教育、引导、防范和监管工作，规范大学生理财投资市场，引导学生树立正确的理财投资观念，培养学生提高理财投资能力，避免出现群体性的社会问题。 关键词 广东大学生；互联网金融理财产品；余额宝；投资风险；规范和监管 Abstract At the end of 2013, because of the low threshold and high profit, after Yu Ebao coming into the market, it not only has quickly pursued by many netizens and led to other advent of internet financial services products, but also attracted many college students to participate in the investment. Through the investigation of 121 universities in Guangdong province, it found that as the representative of the internet financial services products, the awareness of Yu Ebao has more than 85.51% in college students of Guangdong province and the actual participation in investment took 63.21%. The data of survey show that the financial market of college students has broad prospects, but the survey also shows that only 7.35% of the students are really understanding of investment risk and most students actually lack the necessary of knowledge and awareness of financial investment. From the survey, it also can find such the issues as the network security, the legal regulation and the poor ability of the students’ investment risk. Therefore, the research suggests that colleges, government departments and financial investment institutions shall do a good job of education, investment guidance, risk prevention and supervision, standardize the college students’ financial inves