For ordinary college students, limited by the actual economic situation, the mastery and application of financial knowledge is not necessarily to directly participate in investment activities, but to consciously or unconsciously use the mastered financial knowledge to guide themselves to make corresponding choices in their daily consumption behavior and study life. And employment is undoubtedly one of the most important choices in their college life.
In order to explore the relationship between college students' financial literacy and employment choice, the author conducted a questionnaire survey among college students with different majors, grades and training levels to understand their financial literacy and employment choice tendency, and to explore the relationship between financial literacy and employment choice.
1. General situation of the questionnaire
The questionnaire is divided into four parts: basic information, consumption, financial awareness and employment choice. The daily expenses, financial knowledge, employment intention and employment attitude of college students were investigated, and effective questionnaires 1008 were collected to obtain rich samples.
2. The basic situation of the respondents
According to the questionnaire information obtained, 84.72% of the college students participated in the survey, and 15.28% were junior college students. Girls account for 8 1.25%, and boys account for18.75%; grade
The level is mainly in the lower grades (Grade One and Grade Two), accounting for 68.75% of the total number of questionnaires, and the proportion of senior grades (Grade Three and Grade Four) is 3 1.25%. The college students who participated in the survey mainly majored in finance, economy and management.
3. The basic situation of financial literacy
The financial literacy of the respondents is mainly understood by investigating their consumption and financial awareness. The survey shows that the living expenses of the interviewed college students are mainly "break even" and "slightly surplus" (accounting for 6 1.4 1%), and 26.98% of the respondents "overspent", 1.6 1.
From the feedback of financial awareness of the interviewed college students, 59.33% of the interviewed college students choose traditional and low-risk financial management methods, while 69.05% of the interviewed college students will choose new financial management methods with simple operation and low risk. It can be seen that most of the respondents have the most basic financial awareness, understand the common financial investment channels, and can consciously choose different ways to invest.
4. The basic situation of employment choice
Judging from the employment choice, under the same salary level, 55. 16% of the respondents still tend to choose traditional occupation types such as enterprise employees and civil servants, but it is worth noting that the total proportion of respondents who choose various new occupations has also reached 34.43%. From the perspective of employment attitude, 64.98% of the respondents are more inclined to engage in jobs that they like but are not stable enough, 52.28% of the respondents can accept the situation of resignation to find more freelance jobs, and 48.438+0% of the respondents are more inclined to their hobbies to facilitate their future career development.
Based on the above situation, college students with certain financial literacy will also use certain financial knowledge to make judgments in the process of employment selection. Their own financial literacy characteristics will also have a certain impact on their employment choices to a certain extent.
At present, college students are mainly students after 1995. Students born in this era are much better than those born before in objective conditions such as growth environment and family economic background. At the same time, they are exposed to more diverse value orientations and have their own unique characteristics in treating money and wealth. Mainly reflected in the following aspects:
1. Have the consciousness of creating wealth.
According to the feedback from the questionnaire, although more than half of the respondents' living expenses come from "all supported by their families", the proportion of respondents who "mostly supported by their families and solved part of their living expenses by themselves" accounts for 39.68% of the respondents, and the proportion of respondents who "completely solved by themselves" is 3. 17%. This fully reflects that many students have realized the importance of creating wealth to improve living standards and accumulate practical experience.
2. Be able to plan consumption behavior reasonably.
College students' daily consumption behavior is one of the most common economic activities, and their own financial literacy can be judged from their consumption situation. According to the feedback of the questionnaire, the proportion of "break even" and "slightly surplus" of the respondents' living expenses reached 6 1.4 1%, and the proportion of "cost overruns" was 26.98%. Judging from this situation, the proportion of respondents who have a clear understanding of their living expenses has reached 88.39%. It can be seen that the vast majority of college students know their own consumption very well. As for the respondents who spend too much on living expenses, 77.6438+08% choose to pay in advance to solve the living expenses problem. In addition, some respondents will earn their living expenses through social practice activities such as part-time jobs.
3. Be aware of the significance of financial management for future development.
Financial management behavior is a kind of management behavior that people manage their own property and realize the preservation and appreciation of property. As a non-income or low-income group, college students have limited living expenses, and their sources are basically family support and lack of financial management funds. However, thanks to the development of Internet technology, the acquisition of financial information is more convenient, the financial operation is more intelligent, and the financial management methods are more diverse, which makes college students begin to have a sense of financial management and try some financial management at the same time.
According to the feedback from the questionnaire, the interviewed college students have a basic understanding of financial channels such as funds, securities, P2P, Yu 'ebao, savings and insurance. And have a certain willingness to manage money, and can conduct some financial management behaviors according to their own situation. This means that the respondents have realized that the attitude towards real estate is not limited to meeting the current demand, but also pays more attention to the support of real estate appreciation for future development.
4. Have a certain sense of risk.
Judging from the respondents' choice of financial channels, when there are surplus funds, 69.05% of the respondents choose Yu 'ebao, a low-input financial management method, 59.33% choose savings, and 38.4% choose funds, bonds and other financial management methods with stable income and low risk. 1 1.768.
It can be seen that college students have a certain sense of risk, not only aware of the risk differences between financial management methods, but also able to assess the risks they can bear and realize the lack of their own economic strength, so as to choose a low-risk and low-input financial management method that suits them.