毕业设计-洛阳市大学生理财现状调查.doc

洛阳市大学生理财现状调查 摘 要 眼下国民收入的不断提高直接拉动了内需，大学生也成为一只强有力的消费群体。如今的大学校园里，相当一批学生不仅没有存款，反而每到月末都要靠借钱度日。虽然这其中有大学生没负担、家庭供给有保障的原因，但不良的消费习惯和没有合理的投资理财计划也是重要因。大学生的理财意识和水平与他们的未来发展息息相关，也因为他们是祖国和民族的希望，所以更与国家未来的发展紧密相连。对大学生理财现状的调查是一项很有必要进行的工作，它的意义也是显而易见。本文通过发放调查问卷的方式，随机抽样调查了河南科技大学的在校大学生。通过调查结果的整理和数据总结分析得出，目前洛阳市很多大学生理财意识已经具备，但是比较缺乏理财的行动和有效的方法。总之理财现状不容乐观。本文认为想要使大学生具备理财意识和提高他们的理财水平，我们的家庭、学校、社会和国家都需要采取一定的方法和做出行动，比如积极向学生灌输消费和理财的观念，学校要开设一定的关于理财方面的课程，把大学生理财的重要性给予强调，理财的方法予以指导等等。本文还在对洛阳市大学生理财现状调查研究的基础上，并结合实际中出现的一些问题，分析了当代大学生理财的现状及趋势，并给出了一些对策和建议。 关键词：大学生，理财，非理性消费，调查研究，理财观念，对策和建议 ANALYSIS ON THE COLLEGE STUDENTS’ FINANCIAL STATUS OF LUOYANG ABSTRACT Nowadays, the increasing national income is directly stimulating the domestic demand，students also become a powerful consumer groups. Today, the university campus has a group of students, but not every month deposit to depend on borrowing money .Although there is no burden , college students have safeguard supplies of family , but bad habit of consumption and no reasonable investment and finance plan is also important causes .The students with their level of consciousness and the financing are related to their future development . They are the hope of their motherland and nation’s, so with the development of national future more closely. It is an necessary job to have the investigation of college students’ finance, its meaning is also obvious. This article invested the students of Henan University Of science through giving questionnaires. By summarizing the dates and analyzing them, I find that some of the students of Luoyang have the consciousness of financial management, but they are lack of actions and methods. In a word, the present situation of financial management is not satisfactory. In this article , I thought in order to solve this problem. Our families ， our schools ,our society and our country should have some actions. Such as they can take an active part in educating the students the methods and concept of financial manag