It fully shows that apart from the normal supply of parents, most undergraduates in the whole school no longer simply ask their parents for money when their expenses are insufficient, but rely on their own interpersonal relationships or their own abilities to make money. It shows that they have realized that they are adults and should not talk to their parents casually, but a few students still ask their parents directly. It shows that the ideological and political education in the whole school needs to continue to develop, and it can only be strengthened, not weakened.

4.4 College students' consumption problems and causes analysis

4.4. 1 Self-reliance consciousness is not strong

Okay, okay. What is the source of living expenses? After the analysis, it is known that only 6.6% of the living expenses are mainly or completely solved by themselves, which shows that college students are not independent and most of them rely on their families to provide them. The reasons are as follows: First, most college students are only children. Children think that they deserve the money given by their parents, so they don't know how to be grateful and have developed it? Reach out to your parents in everything? Bad habits. Second, I spend most of my time on study and club activities, but I don't.

Part-time time is enough. With the increasing social pressure, students have to make plans for their future lives, and they have to work hard to achieve their goals, so learning has become the main task? Project? . At the same time, college life is rich and colorful. As far as the whole school is concerned, there are dozens of clubs, and students can choose to participate according to their own interests, so club life takes up a lot of time. Thirdly, the phenomenon that college students are cheated by part-time jobs is increasing day by day, which makes them afraid of part-time jobs outside school. There are many cases in which students are cheated on part-time jobs.

4.4.2 Neglect their own development

Right? What is the cost of making friends? And then what? Entertainment expenses? According to statistics, 8 1.9% and 76.2% of the students are below 100 yuan respectively. It shows that most students do not attach importance to their healthy growth, which may be related to the nature of the whole school of science and engineering. As far as the subject nature is concerned, most science and engineering students are technical talents after they take up their jobs. They use their professional knowledge to build their own sky. Therefore, we should strengthen the study of professional knowledge during school for future use.

4.4.3 Where there is a gap between urban and rural areas, the family location shall prevail? Learning expenses? And then what? Shopping expenses? Two questions

The results are shown in Table 2.

Table 8 Cross-linked list of home location, study expenses and shopping expenses

Table 2 shows that students living in rural areas spend less on study and shopping than urban students, indicating that family location or economic conditions have a great influence on students' consumption concept to a certain extent. It can be seen that there is a big consumption gap among college students, which is inevitable under the background of China's transition period. The consumption level has a great relationship with the consumption ability to a certain extent. At present, the fact that there is a big gap between urban and rural areas in China determines that urban and rural students have different consumption concepts.

4.4.4 Unplanned consumption

The survey shows that most students in this school have no clear consumption plan, and even if they do, they can't implement it according to the plan; For the use of surplus money, less than half of the surveyed groups choose to save. It can be seen that college students' financial awareness needs to be cultivated and strengthened. Reason analysis: First, influenced by social hedonism and money worship, it is easy to form psychological convergence tendency. With the development of society, international communication is becoming more and more frequent, and western values are pouring into our country, which has a bad influence on today's college students. Second, do parents usually spend money? Spend money like water. It has caused some misunderstandings about children's daily consumption concept and has become the object of children's imitation. Many students think? Spend money? It is the need of communication. Does the strong vanity cause college students to show more in front of others? Generous?

4.4.5 Lack of financial knowledge

1. Families neglect financial education.

What are we proud of in thousands of years of feudal society? Diligent in teaching children, ashamed of doing business? 、? A gentleman is figurative, and a villain is figurative. Cultural tradition [1]. China's parents always avoid talking to their children? Money? . Many parents think that it is most important for children to learn knowledge, but economic and financial knowledge should be excluded; Some parents even think that children's early education on economic concepts will have a negative impact. Affected by this reason, some children have developed the habit of spending money lavishly, without a plan when spending, and what to buy and what to buy in the senior grades has formed the phenomenon of spending money indiscriminately; Some children don't even know that the money is earned by their parents, and they think that the money is in their parents' wallets, and they can think as much as they want; Some children cannot spend money without their parents.

2. The school lacks financial education.

How to educate primary and secondary school students about financial management has not been clearly defined by the education administrative department. Under the pressure of exam-oriented education, the higher authorities have no requirements for financial management education, so it is impossible for schools to carry out it consciously. Everything is based on the senior high school entrance examination and the college entrance examination. Due to the lack of financial education since childhood, the financial knowledge of contemporary college students in China is almost blank when they first enter the university, and the phenomena of unplanned consumption and abnormal consumption emerge one after another. The unreasonable consumption of college students, in addition to not having received financial education in primary and secondary schools, is also related to the weak education management in university campuses. Although educators in colleges and universities also educate students on national conditions and glorious traditions to help them establish a correct outlook on life and consumption, there are no powerful methods and measures, no education to the point, and no timely and effective guidance to some problems. Therefore, colleges and universities should attach importance to the financial education of college students [2].

3. Social impact financial education

In recent years, due to the rapid economic development and the continuous improvement of people's living standards, some families have become rich first and their consumption patterns have changed greatly. The traditional consumption concept has been strongly impacted, and incorrect consumption concepts and behaviors have appeared in society, which has brought profound negative effects to college students.

4. College students lack financial education

College students are in a mature stage, but they are not really mature. Parents have been caring for them since childhood. In order to avoid distracting their study, many parents never ask them to share their financial situation. Therefore, they have no financial experience. After going to college, I will live independently away from my parents, and I will not plan my income and expenditure under the misleading of incorrect consumption concept.

5. The reasons and suggestions of college students' consumption status.

5. 1 Suggestions on consumption structure

On the surface, college students' consumption is a personal problem, but in a deeper sense, the concept of consumption is a spiritual and cultural phenomenon. The consumption concept formed by college students in this period may affect their lifelong consumption behavior, which is closely related to the formation and perfection of their outlook on life, values and sound personality. The consumption structure of college students should attract the attention of schools and society.

5. 1. 1. Rational guidance of schools

Schools should give flexible and rational guidance to college students' consumption concepts and behaviors, update the traditional concept of school spirit construction, and regard college students' good consumption concepts and behaviors as an important content of campus culture construction. Good school spirit is a benign combination of teachers' style and students' style, in which students' consumption concepts and behaviors are an important part of students' lifestyle. Schools should strengthen the guidance of students' consumption structure and form a virtuous circle.

5. 1.2. Improve the awareness of saving and gratitude to parents.

Strengthening traditional virtue education, advocating rational consumption and family supply are the main sources of funds for college students. Families with superior economic conditions create conditions for college students' high consumption and mislead students to some extent. In families with poor economic conditions, parents often borrow money to meet their children's needs, which will cause psychological problems such as comparison and inferiority. This is undoubtedly the disharmonious landscape of a harmonious campus.

5. 1.3. Strengthen consumer education.

Open? Common sense of consumption? Courses, organize special training or set up corresponding consumer education courses and lectures on consumer knowledge to improve the ability to resist bad consumption. Improve the financial quotient of college students, make full use of campus resources, such as campus network, school newspaper, special columns and school meals, and give full play to the role of student associations, conduct intuitive consumer education and guide consumer public opinion.

5. 1.4. Pay attention to poor students

The basic life and physical and mental health development of poor students should be widely concerned by schools and society. Schools should effectively solve the practical difficulties of poor students, set up various scholarships, grants and supplementary subsidies to help students with financial difficulties successfully complete their studies, and encourage poor students to study hard and study hard. Establish and improve an effective work-study program system, organize students to actively participate in work-study program activities, cultivate students' independent ability and labor outlook, and establish a correct outlook on life.

5. 1.5. Influence of surrounding environment

The composition and changes of college students' consumption structure are largely influenced by the economic development around the school. According to the survey, there are 13 internet cafes, more than 20 restaurants, as well as many KTV, clothing stores and food stalls. Just outside the south gate of the school, most of them are college students. This not only reflects the consumption demand of college students, but also guides and influences their consumption behavior to some extent. Therefore, both schools and society should pay attention to the allocation of consumption resources around colleges and universities and the changes of college students' consumption structure, create a good consumption environment, establish correct guiding ideology and guide rational consumption.

5.2 Students' own suggestions

College students are a special social group with their own special consumption concepts and behaviors, but as a new force in the construction of the motherland, they must establish their own reasonable consumption concepts and treat their consumption rationally. As a pure consumer, most college students depend on their families for their financial resources, so their consumption should take into account the family's economic situation, parents' tolerance and self-control ability, and they should not blindly fall into the misunderstanding of perceptual consumption.

Enhance the consciousness of self-reliance

Due to the superior growth environment, modern college students rarely experience setbacks and have a weak sense of self-reliance. On the one hand, strengthen the education and management of college students' consumption, such as advocating the self-reliance behavior of college students such as work-study program in the construction of campus culture; On the other hand, strengthen the family's positive consumption education for children and try not to give them? What do you want? Impression, let them work, earn living expenses, and establish a sense of self-reliance. This can not only reduce the burden on the family, but also let the children get exercise.

5.2.2 Pay attention to your own growth.

On the one hand, the personal growth of college students is related to the future of society, so we should have a healthy body and pay attention to the cultivation of physical quality. On the premise of not affecting your study, you can take part in some extracurricular activities, such as fitness and travel. On the other hand, college students should realize the important role of interpersonal relationship in a person's growth and success, communicate more with others, make more positive friends, and constantly improve their ability to communicate with others and solve problems.

5.2.3. College students should practice effective financial management skills.

By participating in labor training and social practice, college students can correctly understand money, control consumption desire, and establish a moderate, reasonable and scientific concept of consumption and financial management. There are mainly the following methods:

First, learn to keep accounts and prepare budgets, which is one of the most effective ways to control consumption. Actually, it is not difficult to keep accounts. As long as you keep all your income and expenses and take the time to sort them out, you can master your own income and expenses, so as to prescribe the right medicine.

Second, abide by certain living consumption principles. Students should eat a balanced diet, dress well, live a simple and practical life, and travel cheaply and conveniently. Some college students hate the food in the canteen, so they always go to a small restaurant for a meal. Some college students hate living in dormitories, so they rent them out. These are very expensive extra expenses for students, and it is best to avoid doing so.

Third, start with small things. There are many small expenses in life. A few dollars here and a few dollars there seem insignificant, but every little makes a mickle, which is a big number. In collective life, some students may not pay much attention to some subtle places. As roommates, we should remind each other, such as turning off the lights when going out and saving water. Let all the students in the dormitory abide by and supervise together, so that everyone can develop the good habit of thrift from the student days and benefit everyone for life [4].

Fourth, reasonably distinguish between living security and investment appreciation (stocks and industries). Investment appreciation is a long-term behavior, the purpose is to make the quality of life higher, and don't lower the current quality of life because of investment. Investment funds should be funds other than normal living consumption, with this? Spare money? Investment, investment talents will maintain a good attitude.

5.3 Social suggestions

The society should advocate a correct consumption view, curb unscientific and unreasonable consumption behavior, and create a good external environment for college students to establish a correct consumption view.

5.3. 1 Narrow the gap between urban and rural areas

In recent decades, China's economy has developed to some extent, but there has been social stratification in China, which has aggravated social contradictions. Therefore, while vigorously developing the economy, we will improve the quality of life of rural population, promote urbanization and gradually narrow the gap between urban and rural areas by solving the three rural issues.

5.3.2 The society should create a good financial atmosphere.

As far as society is concerned, it is necessary to vigorously carry forward a healthy and upward consumer culture atmosphere, actively advocate a scientific and correct view of consumption, and create a good social environment [3]. On the one hand, from the social environment, vigorously promote the construction of socialist spiritual civilization, oppose decadent lifestyles, oppose money worship and hedonism, and advocate a social atmosphere of hard work and thrift; On the other hand, in the small environment of students' study and life, relevant departments should take necessary measures to control the surrounding environment of college students' campus and ban illegal vendors, internet cafes and game rooms. Cancel all kinds of high-consumption entertainment places on campus, build healthy non-profit or low-profit entertainment places, and rationally arrange necessary commercial outlets to make the university campus truly a beautiful educational environment.

5.3 Suggestions on the family

For the family. For parents, children going to college does not mean the end of family education. On the contrary, family education is more necessary and the task is heavier. On the one hand, parents should provide funds for their children's normal consumption, which is the economic pillar for students to complete their studies; On the other hand, it is necessary to grasp the consumption situation of children and correct those improper consumption in time.

5.3. 1 Families should cultivate good financial awareness.

Parents are the first teachers of the children. Family education should give full play to the educational function of personal financial management and consumption education for college students, parents should influence their children with correct financial management concepts and consumption behaviors, and should teach college students the role of money and teach them? what's up The way to spend money. Parents should form an ideological understanding with the school, actively understand, cooperate and support the school to carry out financial education and consumer guide work, adhere to the education and management of children, and strive to serve as a strong family backing for cultivating students' healthy consumption psychology. Parents should pay attention to their children while giving them some autonomy in consumption? Family? Education, consciously distinguish consumption requirements, can also arrange some housework, strengthen labor education, and promote the formation of frugal consumption concept.

5.4 Suggestions for schools

5.4. 1 Strengthen the education of consumption concept

Strengthen the education of consumption concept. Two classes? Increase consumer guide for college students in teaching. Offering courses related to life outlook, world outlook, values and labor outlook. Second, properly teach financial management knowledge. College students can carry out practical activities, such as trying to start a business or investing on campus. For the whole school, it is a good opportunity to join the college students' entrepreneurial alliance. Although the business plan contest is not an actual investment, it can also simulate investment in the process of writing a plan. In addition, it is suggested that college students develop a good habit of keeping accounts when spending. Always sum up your own consumption, find out the unreasonable side and analyze the reasons to avoid such situations in future consumption.

5.4.2 Colleges and universities should impart rich financial knowledge.

Colleges and universities should take guiding college students to become high-quality consumers with economic mind as an important educational content, educational task and educational goal to meet difficulties and challenges from all sides. Specifically, it can be achieved through the following aspects:

First, by offering some courses and lectures related to investment, consumption and financial management, college students can truly understand the role of the law of value, the relationship between the change of commodity prices and the supply and demand of commodities, and the theory of consumer behavior, so as to guide their own consumption behavior.

Second, make full use of campus network, radio and television stations, school newspapers, group news, billboards and other media to conduct correct and intuitive consumer education and guide consumer public opinion. Carry out education on common sense of consumer goods, consumption civilization, consumer rights and protection. By popularizing these basic consumption knowledge, college students can achieve planned consumption, reasonable consumption structure, scientific consumption mode, healthy consumption psychology, civilized consumption behavior, correct consumption concept and improved consumption quality.

Thirdly, in carrying out financial education and consumer guide work, schools should break through the traditional way of student education and actively innovate work carriers according to local conditions. Give full play to the role of various associations in colleges and universities. Youth Investment Association? 、? Life consumption and consumption civilization? 、? National wealth and tax awareness? 、? Personal credit consumption and credit lending? Specific activities with the theme of investment, consumption and financial management enable college students to actively participate in educational activities with investment, consumption and financial management as the core content, consciously and actively receive education on investment and financial management, consumption ethics and consumption ethics, and form a correct concept of financial management and consumption.

Fourth, carry out work-study programs to cultivate the spirit of independence, self-improvement and self-reliance. Encourage spare students to participate in work-study programs, create conditions for them, set up special funds, open up special posts, determine management methods, and standardize and institutionalize work-study programs. Work-study program can not only change students' dependence on the country, school and family, but also make students deeply understand the hard-won fruits of labor, truly understand the difficulty of parents providing for their own college education, and consciously develop good consumption habits.

Concluding remarks

In a word, the consumption problem of college students directly affects the formation of their world outlook, outlook on life and values and their own development. Guiding college students to establish a scientific and reasonable consumption concept is one of the important tasks at this stage, which has important theoretical and practical significance for personal growth and social development.