财商教育视角下90后大学生消费观教育研究

发布时间：2018-07-07 16:00

本文选题：90后大学生 + 消费观　；参考：《山东大学》2013年硕士论文

【摘要】：随着社会经济的快速发展,人们日益增长的对物质和文化的需求,随之家庭消费日益多样化、复杂化,而90后大学生占据着家庭的消费主体,现在影响着家庭的消费趋向,大学生的消费行为和习惯影响着家长的决定,随着时间的发展,90后大学生很快进入社会,会成为社会消费的主要群体,他们的消费价值观直接影响社会的发展,包括经济和文化等方面,培养90后大学生形成良好的消费观和提升90后大学生的财商成为教育的一个重要领域和课题。本文以90后大学生的消费水平和消费结构入手,研究学习相关的文献和研究报告,打下研究的理论基础,再通过调查问卷和访谈的形式获得90后大学生的消费现状,并进行分析消费特点,深入研究90后大学生的消费观和财商,探析90后大学生的消费观教育和财商教育,旨在开拓和完善消费教育和财商教育的形式和渠道,促进90后大学生养成良好的消费习惯和提升财商。通过对90后大学生的消费观现状的了解认识,并在实际的基础上进行现状分析,并总结出影响90后大学生的消费观的几方面的因素,是社会、家庭、学校以及学生个人几方面的原因,造成90后大学生的消费意识和消费行为不够理性,充满了盲目性、从众心理、有些甚至奢靡浪费,这些消费方式态度不利于90后大学生的健康成长,并且不利于90后大学生培养良好的财商,以至于踏入社会后,无法立于经济迅猛发展的社会大潮中。一方面不利于大学生自身的发展,另一方面会严重影响到国家经济的健康迅速的发展。所以,加强90后大学生的消费观教育和财商教育至关重要,本文建议通过理论知识学习和实践操作学习的两种方式来进行90后大学生的财商教育,从打造社会文化引导平台、打造家庭习惯养成平台、打造高校环境营造平台、打造同辈帮扶示范平台、打造网络有序竞争平台、打造个人技巧提升平台六个教育渠道来进行90后大学生的财商教育,实现全面有序的教育渠道,帮助90后大学生养成良好的消费习惯、树立良好的消费观念和提升财商。
[Abstract]:With the rapid development of social economy, people's increasing demand for material and culture, with the increasing diversity and complexity of household consumption, the post-90s college students occupy the main consumption of the family, and now affect the consumption trend of the family. The consumption behavior and habits of college students affect the parents' decision. With the development of time, the post-90s college students will soon enter the society and become the main group of social consumption. Their consumption values will directly affect the development of society. From the aspects of economy and culture, it is an important field and subject of education to train the post-90s college students to form a good consumption view and to promote the financial quotient of post-90s college students. This paper starts with the consumption level and consumption structure of post-90s college students, studies the relevant literature and research reports, lays the theoretical foundation of the research, and then obtains the consumption status of post-90s college students by questionnaire and interviews. It also analyzes the characteristics of consumption, deeply studies the consumption view and financial quotient of post-90s college students, and probes into the consumption view education and financial quotient education of post-90s college students in order to open up and perfect the forms and channels of consumption education and financial quotient education. To promote 90-year college students to develop good consumption habits and improve financial quotient. Through the understanding of the present situation of the consumption view of the post-90s college students and the analysis of the present situation on the basis of reality, the author concludes that the factors affecting the consumption view of the post-90s college students are the society and the family. The reasons for the school and the students' personal behavior cause the consumption consciousness and behavior of the post-90s college students to be irrational, full of blindness and conformity, some of which are even extravagant and wasteful. These consumption attitudes are not conducive to the healthy growth of post-90s college students, and are not conducive to the post-90s college students to cultivate good financial quotient, so that after stepping into the society, can not stand in the rapid economic development of the social tide. On the one hand, it is not conducive to the development of college students, on the other hand, it will seriously affect the healthy and rapid development of national economy. Therefore, it is very important to strengthen the consumption view education and financial quotient education of post-90s college students. This paper suggests that the financial quotient education of post-90s college students should be carried out through theoretical knowledge learning and practical and operational learning, so as to build a social and cultural guidance platform. Creating a platform for forming family habits, creating a platform for creating a college environment, building a platform for peer support and demonstration, building a platform for orderly competition on the network, creating a platform for improving personal skills, and six educational channels to carry out financial and business education for post-90s college students. To achieve a comprehensive and orderly education channels to help post-90s college students develop good consumption habits, set up a good consumption concept and promote financial quotient.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：G641

【参考文献】