大学生理财

广西大学成人高等教育

毕业设计（论文）

课题广西大学生投资理财与风险管理

学院商学院

专业年级金融学2010级

学习形式、层次（函授）专升本

学号201023139410082

姓名陈浩

指导教师（签名）

年月日

注：1、该页采用继续教育学院印制的统计规格的蓝色封面（在学历科领取）

2、毕业设计（论文）一律采用计算机打印，并用16K规格复印纸输出

目录

摘要 (1)

关键词 (1)

一、引言 (3)

（一）问题的提出 (3)

（二）相关文献的研究 (4)

二、在校大学生理财现状调查 (5)

（一）大学生理财观念薄弱，存在一定的认识误区 (5)

（二）理财知识匾乏，理财规划不科学 (7)

（三）大学生投资理财风险分析 (10)

三、大学生投资理财与风险管理措施 (11)

（一）树立市场观念，拓宽个人融资渠道 (12)

（二）树立科学消费意识，培养良好消费风气 (13)

（三）建立必要理财规划，养成良好理财习惯 (13)

（四）加强科学理财教育，全方位营造理财氛围 (14)

（五）加强理财风险管理 (14)

四、结论 (14)

参考文献 (15)

致谢 (16)

附：广西大学在校大学生理财调查问卷 (17)

摘要

人生需要规划，钱财需要打理。大学时代是人生观念、生活技能形成和养成的重要时期，是理财的起步阶段，也是学习理财的黄金时期。在此阶段，大学生应该养成一种良好的理财习惯，重视和加强人生理财意识和技能的培养，有助于有效地控制个人财务安全，进而实现人生梦想和自我增值，为自己的现在和将来精打细算。投资理财是一项充满风险的经济活动，避免风险能使我们避开可能发生的损失或伤害，增加大学生在校的安全程度。大学生如何应对理财风险进行控制和防范，预防和减少各种不利因素造成的可能损失，对当今在校大学生的生活是非常重要的。本文阐述了当今大学生的理财现状，对大学生在理财方面存在的一些问题进行了分析，比如理财知识匮乏，理财观念淡薄，大学生理财风险等问题；简单介绍了大学生应该如何理财，理财可选择的方式，如何对大学生加强科学理财教育，如何全方位营造理财氛围以及如何控制风险等。

[关键词] 大学生投资理财风险管理

Analysis of Financial Management and Investment of University Students in Guangxi and Their Risk

Management

Abstract

The life needs to plan, the wealth needs to handle. The college days is the important day which to build the life ideas and form life skills, the life skills form and foster, and it is the managing finances start stage, of course it is also the gold time to study managing finances. In this stage, the university student should form one kind of good managing finances habit, takes and strengthens the life managing finances consciousness and the skill raise, is helpful in controls individual financial security effectively, then realizes the life dream and the self-increment, will plan carefully for own present and the future. Investment managing finances is a risky economic activity, avoids loss which or injury the risk can cause us to avoid possibly occurs, increases the university student in the school safety rate. How does the university student deal with the managing finances risk to carry on the control and the guard, prevents and reduces the possible loss which each kind of disadvantage factor creates, to the now university student in the school life is very important. This paper expounds the present situation of college students' managing finance, analyzes some problems in the aspects of college students' managing finance. For example, lack of financial knowledge, weak at the concept of financial management, college financial risk, and so on. Simply introduces how college students should manage finance, how to select financial options, how to strengthen scientific managing finance education in the college students, and how to create a comprehensive financial management environment and control risk.

Keywords：university student; Finance and investment; Risk Management