基于金融素养的大学生消费与自我控制.docx

基于金融素养的大学生消费与自我控制研究The reseaRch on the relashionship between consumption and self-control of college students based on financial literacy基于金融素养的大学生消费与自我控制研究摘要在后金融危机时代，有关金融素养和金融行为的问题受到广泛的关注。本文首先研究了大量国外文献，对金融素养的定义和度量进行了总结，并对大学生消费、金融素养和自我控制能力之间的相关关系进行了理论研究；其次，利用南京四所高校大学生金融素养的调查数据，实证研究了大学生的金融素养水平和自我控制能力状况，并结合大学生的消费行为和消费心理，探讨金融素养和自我控制能力对大学生消费的影响。实证结果表明，大学生的金融素养和自我控制能力对消费行为有正向的影响，金融素养对消费心理有正向的影响，自我控制能力对消费心理没有影响。一般研究认为，教育可以改善金融素养并加强自我控制能力，据此，本文认为应当加大社会教育和大学金融教育的力度，以期改善大学生的消费行为和消费心理、加强理财能力，进而提高其未来的金融福祉。最后，本文结合国外已有的研究和实践措施，提出相关建议。关键字：金融素养；大学生消费；自我控制AbstractIn Post Financial Crisis Era, issues regarding financial literacy and financial behavior attract more and more attentions. This paper reviews a mass of foreign literatures and summarizes the definitions and measures of financial literacy. Then, we research the relationship among financial literacy, self-control and college students’ consumption. Questionnaires have been obtained from four colleges in Nan Jing, which researches the level of financial literacy and self-control of college students. At the same time, the impact of college students’ financial literacy and self-control on consumption has also been studied combined with consuming behavior and consumer mentality. Empirical evidence shows that college students’ financial literacy and self-control has positive influence on consuming behavior. Financial literacy has positive influence on consumer mentality and self-control has nothing to do with consumer mentality at the university. General study considers that education can improve financial literacy and self-control. Accordingly, this paper argues that we can improve students consuming behavior and consumer mentality, strengthen personal financial ability and enhance future financial well-being by university financial education and community education. Lastly, this article combining existing experience and researches abroad, gives some relevant recommendations.Key Words: Financial Literacy, College Students’ consum