大学生理财状况调查与分析以广州工商学院为例.pdfVIP

大学生理财状况调查与分析 ——以广州工商学院为例 摘 要 本文以广州工商学院在校大学生为调查对象，通过问卷调查并结合文献研究， 对大学生理财状况进行调查与分析。在经济高速发展的大时代背景下，“理财” 一词不断出现在大众的视野中，其重要性不断上升。而大学生普遍存在消费结构 不合理、缺乏理财意识的问题。随着互联网金融的迅速发展，花呗、借呗等借贷 平台的上线，大学生缺少社会经验，容易在社会舆论导向的偏差下，受超前消费 主义和享乐主义思潮的影响，陷入严重的借贷循环误区，轻则 “破财消灾”，重 则危及性命。本文通过调查问卷结果，从四个层次对大学生的理财行为进行分析， 分别是个人、家庭、高校、社会与政府方面，由此提出合理的建议与措施。 关键词：大学生；理财意识；理财行为；调查分析 I Investigation and analysis of financial status of college students ——Taking Guangzhou College of Technology and Business as an Example Abstract This paper take the students in Guangzhou College of Technology and Business as the survey object, and through questionnaire survey and literature research, investigates and analyzes the financial situation of college students. Under the background of rapid economic development, the word financial management appears constantly in the publics vision and its importance is rising. However, college students generally have problems of unreasonable consumption structure and lack of financial awareness. With the rapid development of Internet finance and the launch of loan platforms such as Ant Credit Pay and Ant Cash Now, college students lack social experience and are prone to fall into serious misunderstanding of loan cycle under the influence of leading consumerism and hedonism under the deviation of social public opinion. If it is light, it will destroy wealth and eliminate disasters and if it is heavy, it will endanger lives. Based on the results of the questionnaire, this paper analyzes the financial behavior of college students from four levels, namely, individual, family, university,