互联网金融背景下大学生金融风险防范意识情况调查.docxVIP

PAGE 22 摘 要 随着当前互联网技术的快速发展和进步,我们的日常生活与生产在一定程度上也发生了改变，而互联网金融便是当中发展最为显著的代表，它已逐渐成为现代经济的核心。许多行业巨头抓住时机发展自己的线上金融产品，致使很多大学生参与到金融活动之中, 伴随而来的是金融风险事件的频发，因此, 大学生金融风险防范意识培养也逐渐成为社会广泛关注的话题。 大学生是社会未来主要消费和投资群体,在整个金融体系中扮演着非常重要的角色。培养大学生的金融风险防范意识是学校与社会共同的责任。本文研究大学生的金融风险防范意识，最主要的目的在于引导大学生重视加强自己的金融安全意识，提升自我保护的能力，同时形成良好的消费习惯，能够合理规避金融风险。文章结合当前研究的热点，先是阐述了金融风险的相关概念与理论，再通过梳理与之相关的文献，明确了金融风险的定义，设计相关调查问卷，选择广东部分高校在校大学生为调查对象，通过问卷调查的形式，抽取部分大学生进行调查，从而了解在校大学生金融风险防范意识的基本情况，分析当前大学生对于金融风险防范方面所存在的一些问题及成因,并提出相应的对策。 关键词 ： 互联网金融 风险防范 问题及建议 ABSTRACT With the rapid development and progress of Internet technology, our daily life and production have changed to a certain extent, and Internet finance is the most significant representative of the development, which has gradually become the core of modern economy. Many industry giants seize the opportunity to develop their own online financial products, causing many college students to participate in financial activities, accompanied by the frequent occurrence of financial risk events. Therefore, the cultivation of College Students financial risk prevention awareness has gradually become a topic of widespread concern to the society. College students are the main consumption and investment groups in the future, and play a very important role in the whole financial system. It is the common responsibility of the school and the society to cultivate college students awareness of financial risk prevention. The purpose of this study is to guide college students to strengthen their awareness of financial security, enhance their ability of self-protection, form good consumption habits, and reasonably avoid financial risks.Based on the current research hot spots, this paper first expounds the related concepts and theories of financial risk, through combing the relevant literature, clarifying the definition of financial risk, designing the relevant questionnaire, selecting the college students in Guangdong Province as the survey object, through the form of questionna