大学生家庭理财教育方式、消费价值观与消费行为的关系

发布时间：2018-01-14 12:31

本文关键词：大学生家庭理财教育方式、消费价值观与消费行为的关系　出处：《河南大学》2016年硕士论文　论文类型：学位论文

【摘要】：大学生是一群特殊的消费群体,由于社会经验的缺乏,他们的学费和基本花销主要依靠家庭供给,而父母对子女理财教育的方式必然会对消费行为造成影响。对于大学生而言,他们的消费决策往往受到家庭因素的影响。由于他们社会履历的不足,家庭供给为他们提供基本的消费,而父母对子女的理财教育方式必然会影响他们的消费决策。本文研究了大学生家庭理财教育方式、消费价值观、消费行为三者的关系。同时也对家庭理财教育方式提供指导,也为指导他们形成好的消费观念和习惯提供理论基础。采用问卷法对某大学本科在校生进行了调查,分析了大学生家庭理财教育方式的特点及消费价值观和消费行为的特点,结果显示:1、大学生家庭理财教育方式中不同的维度在不同性别、年级、是否独生子女、家庭所在地、家庭月收入存在显著差异,且家庭收入越高,父母对子女越溺爱放纵;大学生消费价值观中不同的维度在不同性别、年级、是否独生子女、家庭所在地、家庭月收入存在显著差异;大学生消费行为中不同的维度在不同性别、年级、是否独生子女、家庭所在地、家庭月收入存在显著差异,且家庭收入越高,冲动性消费行为也越高。2、家长对孩子的理财教育和消费行为总分显著相关;大学生消费价值观与消费行为显著相关;溺爱放纵型教育方式对消费价值观的总分有正向预测作用;溺爱放纵型教育方式对消费行为总分有正向预测作用。3、大学生消费价值观在溺爱放纵型教育方式与消费行为总分中起部分中介作用。
[Abstract]:College students are a special group of consumers, because of the lack of social experience, their tuition fees and basic expenses mainly depend on the family supply. For college students, their consumption decision is often affected by family factors. Because of their lack of social experience. Family supply provides them with basic consumption, and parents' financial education to their children will inevitably affect their consumption decisions. This paper studies the family financial education mode and consumption values of college students. At the same time, it also provides guidance for family financial education. In order to guide them to form a good consumption concept and habits to provide a theoretical basis for the use of questionnaires to a university undergraduate students were investigated. This paper analyzes the characteristics of college students' family financial management education and the characteristics of consumption values and consumption behavior. The results show that different dimensions of family financial education methods of college students are in different gender and grade. Whether the only child, the location of the family, family monthly income has significant differences, and the higher the family income, the more indulgent parents to their children; There are significant differences in the different dimensions of college students' consumption values in different gender, grade, whether only child, family location, family monthly income; Different dimensions of consumer behavior of college students in different gender, grade, whether the only child, family location, family income has significant differences, and the higher the family income, impulsive consumption behavior is higher. 2. Parents' financial education and total scores of consumer behavior were significantly related to their children's financial education; There is a significant correlation between consumption values and consumption behavior of college students. Indulgent education has a positive predictive effect on the total score of consumption values; Doting and indulgence education has a positive predictive effect on the total score of consumer behavior. The consumption values of college students play an intermediary role in the total score of indulgent education and consumption behavior.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：B842

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