超前消费意识下沈阳市大学生理财现状调查

超前消费意识下沈阳市大学生理财现状调查分析摘要学生的大学时期，是学生从家庭支持过渡到自身独立的重要阶段。相较于低龄段的群体来说，大学生具备更多的可支配生活费，但是相较于已经参加工作的群体来说，大学生没有稳定的工作收入来源，父母是大学生经济的重要来源。当国家提出了刺激消费的时候，即便是提出了减费降税的政策，大学生也没有从中获得益处，主要原因在于大学生虽然说已经成年，然而独立获得的收入有限。需要注意的是虽然说减费降税在大学生身上作用不明显，但是销售商开展的各种营销活动以及推出的新零售模式，却影响到了大学生的消费行为和消费观念，进而导致大学生频繁出现超前消费的情况。超前消费行为会影响到理财行为，所以在超前消费意识下，研究沈阳市大学生理财情况，根据发现的问题，以便寻求出科学的改进措施。故此文章分为四个部分进行研究。第一部分是理论概述，主要分析的是超前消费概述和理财概述：第二部分是超前消费意识下沈阳大学生理财现状，为了了解沈阳市大学生在超前消费意识下，所表现的理财情况，随机选择三所534名大学生发放调查问卷，从而了解到沈阳市大学生当前的理财情况。其中回收问卷516份，回收率为96.63%，其中有效问卷500份，有效回收率为93.63%。此外，在问卷中一共涉及到30个相关问题。第三部分是针对超前消费意识下，沈阳市大学生理财存在问题进行分析，包括投资理财方式单一、可支配资金量小，融资渠道单一、投资理财主动意识不强、理财风险承受能力有限、理财教育的缺失。第四部分是针对上述问题，提出了具体的优化建议，比如说多元化投资组合、巧妙积累资金以及培养投资理财意识、提高理财风险承受能力、加强理财教育。关键词：超前消费：沈阳市：大学生：理财AbstractThe college years are an important stage for students to transition from family support toindependence.Compared with the groups in the lower age group,college students have moredisposable living expenses,but compared with the groups that have joined the work,collegestudents do not have a stable source of income from work,and their parents are an importantsource of economic resources for college students.When the government proposed tostimulate consumption,even if it proposed the policy of reducing fees and taxes,collegestudents did not benefit from it.The main reason is that although college students have grownup,their independent income is limited.It should be noted that although the reduction of feesand taxes does not play an obvious role in college students,various marketing activitiescarried out by retailers and new retail models have affected the consumption behavior andconcept of college students,thus leading to frequent over-consumption of college students.Excessive consumption behavior will affect financial behavior,so in the awareness ofexcessive consumption,the study of Shenyang university students financial situation,according to the problems found,in order to seek scientific improvement measures.So this article atmosphere six chapters to study.The first part is the introduction,mainlyexpounds the purpose of the paper research and research status at home and abroad;Thesecond part is the theoretical overview,mainly analyzes the overview of advancedconsumption and financial management overview;The third part is the current financialmanagement situation of shenyang college students under the awareness of advancedconsumption.In order to understand the financial management situation of Shenyang collegestudents under the awareness of advanced consumption,534 college students were randomlyselected from three schools to issue a questionnaire,so as to understand the current financialmanagement situation of Shenyang college students.Among them,516 questionnaires werereceived with a recovery rate of 96.63%,among which 500 were valid with an effectiverecovery rate of 93.63%.In addition,a total of 30 related questions were involved in thequestionnaire.The fourth part is to analyze the problems existing in financial management ofcollege s