浅谈大学生的理财现状与对策

本科生毕业论文浅谈大学生的理财现状与对策——以广东省湛江地区为例DiscussiononRecentStatusandCountermeasureofCollegeStudents’Financing：BytheCaseofZhanjiangCity,GuangdongProvince学生姓名黄文彬所在专业财务管理所在班级2006财务管理2班申请学位管理学学士指导教师张士海职称讲师副指导教师职称答辩时间2010年6月6日目录目录摘要....................................................................................................................................IABSTRACT........................................................................................................................II1引言..............................................................................................................................11.1理财教育的必要性..............................................................................................11.2研究目的和意义..................................................................................................22大学生理财研究的历史与现状..................................................................................32.1国外大学生理财研究回顾与评价......................................................................32.1.1欧美...............................................................................................................32.1.2亚洲...............................................................................................................42.2我国大学生理财研究回顾与评价......................................................................42.2.1台湾香港地区...............................................................................................42.2.2大陆地区.......................................................................................................42.3概念的界定..........................................................................................................53高校学生理财现状调查..............................................................................................63.1调查问卷的设计..................................................................................................63.2调查问卷的发放和回收......................................................................................63.3调查结果统计分析..............................................................................................83.3.1大学生消费状况...........................................................................................83.3.2大学生理财观念薄弱...................................................................................93.3.3投资方式少,投资理念不成熟.....................................................................93.3.4消费构成呈多元化发展趋势.....................................................................103.3.5支出无计划,理财行为随意性强...............................................................104大学生理财教育对策................................................................................................104.1学校应重视大学生的理财教育........................................................................104.2家庭要正确引导大学生的理财教育................................................................114.3社会需关注大学生的理财教育........................................................................124.4大学生需自身加强理财教育............................................................................125结论............................................................................................................................13鸣谢.................................................................................................................................14参考文献.............................................................................................................................15附录.................................................................................................................................16摘要I摘要理财能力是现今社会每个人都必须具备的基本素质。大学生作为一个特殊的消费群体，他们的消费现状、消费特点在一定程度上折射出当前大学生的生活状态和价值取向。大学生理财能力的塑造和培养直接影响其世界观的形成与发展，进而影响其一生的品德行为。本研究采用自编调查问卷，发放问卷，随机采访，抽查等形式的深入调查。通过对问卷数据的统计，分析得出湛江地区大学生的理财状况具有以下特点，即大学生理财观念薄弱、投资方式少,投资理念不成熟、消费结构呈多元化发展趋势，消费观念比较理性、支出无计划,理财行为随意性强等问题。导致湛江地区大学生消费具有上述特点的原因是多方面的，主要有家庭因素、学校因素、社会环境因素以及大学生自身因素等。针对现实中湛江地区大学生理财领域存在的问题，结合国内外大学生消费领域的不同角度和阶段的理论研究成果，本文从学校、家庭、社会三个方面提出了应对措施。关键词：大学生；理财教育；消费ABSTRACTIIABSTRACTFinancialmanagementisthebasicqualitycapacitywhicheveryonemusthaveinthemodernsociety.Students,asaspecialgroupofconsumers,whoseconsumptionsituation,consumptionpatternstosomeextentreflectthecurrentstateofcollegestudents’livingconditionsandvalues.Thecreationanddevelopmentofstudents’financialmanagementcapacityhasthedirectinfluenceontheformationanddevelopmentoftheirworldview,whichthenhaveamajorimpactonthemoralbehavioroftheirlife.Thisstudyusedselfquestionnairesuchformsasquestionnaires,randominterviews,spotchecksin-depthinvestigation.Throughanalysisofquestionnairedata,wecanobtainthefollowingfeaturesoffinancialsituationofstudentsinZhanjiang:namelystudentsareweakatfinancialmanagement,andtherearelessmeansininvestment;theirinvestmentphilosophywasimmatureandthereshowedatrendofdiversificationoftheconsumptionstructure;theirconsumerattitudesaremorerationalbutunplannedexpenditure;theirmoneymanagementarearbitrary.TherearemanyreasonsinthefinancialmanagementofstudentsinZhanjiang,whichshowedtheabovecharacteristics,suchasfamilyfactors,schoolfact