互联网金融对大学生理财的影响及对策.docxVIP

PAGE 14 摘 要 现在以来，随着互联网金融普遍化，出现了相对较高收益、低成本、多样性、便捷化和自由化特点的针对当代大学生的理财产品。当代的大学生不仅仅见证了互联网金融长大，更对互联网金融的成长产生巨大的影响。特别是从互联网金融对大学生理财的影响角度分析更有着许多问题值得研究与分析。 本文表述了早期和现在大学生理财的异同，围绕大学生面临那些互联网金融风险和应对之策，对大学生理财时会受到那些现实原因的影响，讨论了大学生通过互联网金融理财中可能会遇到问题和互联网金融存在的陷阱，就在互联网的环境下，大学生通过互联网金融进行理财需要具备的那些条件提出了个人看法。并预测了大学生将会成为互联网金融理财产品中的潜力群体之一。 本文主要创新体现在大学生将会通过互联网金融来进行理财，并且结合当代大学生在理财的时候所遇到的陷阱和问题应当如何面对，最后为大学生形成正确的理财观念应当从哪些方面入手提出了几点建议。 关键字；互联网金融 大学生理财 大学生消费 ABSTRACT Since now, with the popularization of Internet finance, there have been relatively high-yield, low threshold, diversified, convenient and free financial products for contemporary college students. Our generation of college students not only witnessed the growth of Internet finance, but also had a huge impact on the growth of Internet finance. Especially from the perspective of the impact of Internet Finance on College Students financial management, there are many problems worth studying and analyzing. This paper describes the similarities and differences between the early and present college students financial management. Focusing on the Internet financial risks faced by college students and the countermeasures, it discusses the problems that college students may encounter in the Internet financial management and the pitfalls that exist in the Internet financial management. In the Internet environment, College Students use the Internet financial management Personal opinions are put forward on the conditions required for financial management. It is predicted that college students will become one of the potential groups in Internet financial products. The main innovation of this paper is that college students will use Internet finance to manage their finances, and how to face the pitfalls and problems encountered by contemporary college students when they manage their finances. Finally, some suggestions are put forward for college students to form a correct concept of financial management. Key words；Online finance College Students financi