Background knowledge: What is financial management?
From the perspective of college students, the scope of personal financial management includes: making money, using money, saving money, borrowing money and saving money. Capital preservation is insurance and trust.
First, the object, time and method of investigation
(1) Object: College students in our college.
(2) Date: August XX.
(3) Methods: Questionnaire survey.
Second, the investigation:
1, most people are willing to take the rational consumption route.
As far as the average monthly living expenses are concerned, 50% of college students' monthly living expenses exceed those of 500 yuan, and the 300-800 yuan range is the most common expenditure range for college students. Even within this range, the highest consumption and the lowest consumption are different from those in 500 yuan, indicating that the consumption gap among college students is not small. Spend the most on food.
Generally speaking, college students' consumption view is gradually developing in an open and avant-garde direction, but the traditional rational consumption view is still the mainstream. The quality and price of goods or services are the most important factors that most students consider when they consume, and they pursue high quality and low price.
2, consumption also plays a publicity role.
"Mobile phones, laptops and mp3 players are all indispensable." When I come back from vacation, I often find that many students in my class have changed their mobile phones. In some classes, about half of the students have laptops, and most students have mp3 players.
The survey found that some college students are excessively pursuing fashion and famous brands, and they have the psychology of keeping up with the joneses. Some people are willing to scrimp and save for a popular mobile phone or brand-name clothes, at the expense of other necessary expenses, and even borrow money from others to satisfy their desires. While pursuing material consumption, they also emphasize interpersonal consumption, which is mainly manifested in the love and entertainment consumption between classmates. Most of them admit that the pursuit of emotion requires material input, and it is often difficult to rationally grasp the principle of moderate consumption.
In addition, many students with good family conditions also play with individuality in consumption and fall in love with high consumption.
3. College students "moonlight clan"
The survey also shows that most students have no savings for their monthly expenses. Among them, 8 1% students have savings below 50 yuan, and only 1% students have savings above 200 yuan. For the money saved, 45% students choose leisure and entertainment, and less than one-tenth students choose to buy books. A few students will borrow money from their classmates, overdraw from the bank, or pay for next month's expenses when they encounter the phenomenon of overspending.
4. Most college students have a weak concept of financial management and their financial quotient is not high.
Without the habit of keeping accounts, most students are not sure where to spend a month's money and whether it is reasonable. Few students choose bank savings and have no habit of saving. College students, because they don't have enough funds to invest in stocks, foreign exchange, funds, bonds, insurance and other markets, know little about the investment methods in this area. Most people think that it is good to do a good job in preserving assets.
New wealth management companies have sprung up like mushrooms after rain.
About 90% of the college students surveyed have had part-time experience, and 56% are doing part-time jobs. From the perspective of economic investment, part-time job is a purely value-added way, without any capital investment in advance and almost no risk. Moreover, you can further expand your financial principal and lay the foundation for future consumption. Undoubtedly, this emerging "value-added" way of college students' financial management should become a very important part and advanced stage in the process of college students' financial management.
In the survey, some students called themselves "financial experts". He worked as a business agent on campus and opened a shop online. Taking advantage of the good stock situation this year, he opened an account and became a new shareholder. In the inquiry, I learned that he set foot in the stock market not to make money, but mainly to understand the investment market and accumulate some experience for personal finance in the future. The investment amount is basically 5000 to 1 000 yuan, and the source of funds is the extra money provided by his family from the stock market. In the current stock market, he has made a profit 10%.
Third, the reason analysis
From the consumption situation, it can be concluded that weak financial management ability and weak financial management concept are common phenomena among college students, and the reasons for this phenomenon mainly include the following aspects.
Analysis (1) Family reasons: Many parents always think that as long as their children study well and can be admitted to universities, they will have a bright future. With the increase of only children, the rapid improvement of family living standards, and the unique "compensation" psychology of parents who have experienced hard life, it is often easy to indulge, spoil and spoil bad children. In this way, they neglect the cultivation of their children's early financial management ability, which is often manifested in their "softhearted" spending money and even satisfying their children's excessive demands at all costs. And from primary school to high school, the work of managing money has always been the responsibility of parents. The reason is that children are still young and don't know what to spend and what not to spend. If a child spends a dime without asking his parents, he will be scolded by his parents. After going to college, away from home, college students began to manage their finances. Without experience, you can only follow your feelings. I'll buy it if others buy it. If the family economy is good, they will spend more and have no sense of saving. No wonder many parents reacted. The first sentence when a child calls home is: Ask for money! All the income of ordinary families is given to college students.
Analysis (2) School problems: While educating students to become talents, schools have not taught them how to manage money. Many parents and educators think that financial management is an adult's business, and children are not suitable for this kind of thing, or think that children can learn financial management when they grow up. More people believe that adolescence should be a "pure land", and children's main task is to learn knowledge and grow up, and the rest will come slowly. Moreover, the school has not formed a good learning atmosphere, and the activities carried out are rarely academic. Students are not interested in learning, so they spend little money on learning.
Analysis (3) Social problems: The proliferation of money worship and hedonism in society and the existence of bad environment outside campus (such as some dance halls and game halls) often have a certain corrosive effect on middle school students' thoughts. Today's school is no longer the ivory tower of the 1980s and 1990s. Her connection with society is getting closer and closer. Influenced by extravagance and waste in society, students began to show off with their parents' money. Most students spend money without a plan. Parents can spend as much as they want, and others can buy whatever they want. Just to keep yourself away from society. Everything in social life is so attractive that many students want to try it one by one. But students are still students, inexperienced and lost on the road. Analysis (4) Self-reasons: Internal factors are the main factors that change things, and college students' discrimination, self-discipline and independence are not strong. Vanity, competitiveness, etc. For the first time, college students blindly decide what to spend their money on and what not to spend. On the one hand, they have strong consumer demand, on the other hand, they have not achieved economic independence, and their consumption is greatly restricted. The advance of consumption concept and the lag of consumption strength all illustrate their lack of financial management ability.