辽宁省大学生互联网金融理财产品投资行为调查分析

辽宁省大学生互联网金融理财产品投资行为调查分析摘要科学技术在不断创新改进，网络金融也在全面普及，社会的面貌日新月异。这个时代的人民生活水平有了很大的改善，与此同时理财产品的种类也日益增多。以网络为代表的现代资讯科技，特别是大数据+，网络社交，电子支付，云计算等，革新了传统的金融方式，深刻地影响着人们的生活，改变着人们的理财理念。在网络金融快速发展的时代，大学生扮演了非常重要的角色，作为一个即将告别校园、踏入社会的主要成员，学习如何运用网络金融工具进行理财是非常有必要的。由于大学生可支配资金在增加，日常开支也越来越多。因此高校毕业生们纷纷选择购买个人金融理财产品，或者通过基金市场进行投资，从而增加自己的收入以满足自己的消费欲望。当前社会的大学生宁可选择中低风险产品赚取利益，也不愿意选择高风险高收益的理财产品。然而，高校学生的理财管理却面临着诸多问题：缺乏理财意识，风险偏好水平存在差异，理财产品获取的渠道较少，承担风险能力不足等一系列问题。投资理财本身就存在着一定的风险，因此，加强相关的风险管理和防范就显得非常必要。特别是对大学生来说，要真正认识到投资的风险。本论文以大学生的理财问题为研究对象，采用问卷调查和数据分析的方法，了解高校学生互联网金融理财投资的现实状况。从理财投资教育，理财产品的选择及优化，完善监管体系等四个方面，提出解决对策。便于大学生大胆地选择理财产品进行投资，从而推动我国互联网金融理财产品的发展。关键词：大学生：互联网金融：理财产品：投资行为1AbstractWith the progress of contemporary society,the development of science and technologyand the popularity of Internet finance,people's life is getting better and better,and there aremore and more investment and financial products for people to choose from.Contemporaryinformation technologies represented by the Internet,especially big data,mobile payment,social networks and cloud computing,have subverted the traditional financial model,had ahuge impact on human life,and also changed the concept of financial management.In thecontext of Internet finance,it is particularly important for college students,as importantmembers of society,to learn to use Internet financial products to conduct financialmanagement.College students'income is increasing,and so is their consumption in daily life.Therefore,college students begin to contact some personal financial products or invest in thesecurities market for financial management,in order to obtain more income to meet their ownconsumption needs.More college students are willing to choose medium and low risk to gainbenefits.But at present,there are various problems in financial management of collegestudents,such as weak financial management concept,different risk preference level,fewchannels to obtain financial products,insufficient risk bearing ability and a series of problemsInvestment and financial management itself is accompanied by risks,so it is particularlyimportant to strengthen the corresponding risk control,especially college students should beaware of the risk factors of investment and financial management.This paper focuses on college students'financial management.Through questionnairesurvey and data analysis,the current situation of college students'investment in Internetfinancial management is discussed.From the financial education,financial products selectionand optimization,improve the supervision system and other four aspects,put forwardsolutions.It is convenient for college students to choose financial products to invest boldly,soas to promote the development of Internet financial products in China.Keywords:College students;Internet finance;Financial products;Investment behavior目录摘要Abstract.绪论.1互联网金融理财产品概述.21.1互联网金融理财的概念1.2互联网理财产品的类型21.3互联网金融理财产品投资的必要性32辽宁省大学生理财现状的调查2.1调查问卷设计及过程2.2调查情况2.3样本特征.2.4调查数据分析62.4.1辽宁省大学生资金状况调查结果分析.….62.4.2辽宁省大学生投资状况调查结果分析..72.4.3辽宁省大学生投资