【正文】 ...........................................................................II1 引言 ...............................................................................................................................1 理財(cái)教育的必要性 ..............................................................................................1 研究目的和意義 ..................................................................................................22 大學(xué)生理財(cái)研究的歷史與現(xiàn)狀 ...................................................................................3 國外大學(xué)生理財(cái)研究回顧與評(píng)價(jià) ......................................................................3 歐美 ...............................................................................................................3 亞洲 ...............................................................................................................4 我國大學(xué)生理財(cái)研究回顧與評(píng)價(jià) ......................................................................4 臺(tái)灣香港地區(qū) ...............................................................................................4 大陸地區(qū) .......................................................................................................4 概念的界定 ..........................................................................................................53 高校學(xué)生理財(cái)現(xiàn)狀調(diào)查 ...............................................................................................6 調(diào)查問卷的設(shè)計(jì) ..................................................................................................6 調(diào)查問卷的發(fā)放和回收 ......................................................................................6 調(diào)查結(jié) 果統(tǒng)計(jì)分析 ..............................................................................................8 大學(xué)生消費(fèi)狀況 ...........................................................................................8 大學(xué)生理財(cái)觀念薄弱 ...................................................................................9 投資方式少,投資理念不成熟 .....................................................................9 消費(fèi)構(gòu)成呈多元化發(fā)展趨勢 .....................................................................10 支出無計(jì)劃,理財(cái)行為隨意性強(qiáng) ...............................................................104 大學(xué)生理 財(cái)教育對(duì)策 .................................................................................................10 學(xué)校應(yīng)重視大學(xué)生的理財(cái)教育 ........................................................................10 家庭要正確引導(dǎo)大學(xué)生的理財(cái)教育 ................................................................11 社會(huì)需關(guān)注大學(xué)生的理財(cái)教育 ........................................................................12 大學(xué)生需自身加強(qiáng)理財(cái)教育 ............................................................................125 結(jié)論 .............................................................................................................................13鳴 謝 ..................................................................................................................................14參考文獻(xiàn) ..............................................................................................................................15附 錄 ..................................................................................................................................16摘 要I摘 要理財(cái)能力是現(xiàn)今社會(huì)每個(gè)人都必須具備的基本素質(zhì)。本研究采用自編調(diào)查問卷，發(fā)放問卷，隨機(jī)采訪，抽查等形式的深入調(diào)查。關(guān)鍵詞：大學(xué)生；理財(cái)教育；消費(fèi)ABSTRACTIIABSTRACTFinancial management is the basic quality capacity which everyone must have in the modern society. Students, as a special group of consumers, whose consumption situation, consumption patterns to some extent reflect the current state of college students’ living conditions and values. The creation and development of students’ financial management capacity has the direct influence on the formation and development of their world view, which then have a major impact on the moral behavior of their life. This study used self questionnaire such forms as questionnaires, random interviews, spot checks indepth investigation. Through analysis of questionnaire data, we can obtain the following features of financial situation of students in Zhanjiang: namely students are weak at financial management, and there are less means in investment。 Financial Education。隨著改革開放，社會(huì)經(jīng)濟(jì)的發(fā)展，人民生活水平的日益提高，大學(xué)生的消費(fèi)觀、消費(fèi)心理和消費(fèi)行為都受到不同程度的影響。2022 年9 月，中共中央、國務(wù)院發(fā)出的《關(guān)于進(jìn)一步加強(qiáng)和改進(jìn)大學(xué)生思想政治教育的意見》中強(qiáng)調(diào)指出:大學(xué)生是十分寶貴的人才資源，是民族的希望，是祖國的未來。同時(shí)，他們的消費(fèi)現(xiàn)狀和特點(diǎn)在一定程度上折射出當(dāng)前大學(xué)生的生活狀態(tài)和價(jià)值取向。80 后一代討厭墨守成規(guī)，喜歡多變、刺激和新穎的生活方式” 。調(diào)查研究大學(xué)生消費(fèi)狀況，分析大學(xué)生消費(fèi)方面的特點(diǎn)、結(jié)構(gòu)等問題有著十分重要的現(xiàn)實(shí)意義。大學(xué)生的不良消費(fèi)心理和消費(fèi)行為會(huì)帶來多方面的負(fù)面影響。再次，就是不利于社會(huì)的可持續(xù)發(fā)展。大學(xué)生因?yàn)椴粫?huì)理財(cái)，不懂得理財(cái)，所以