摘要:隨著我國經濟的不斷發展，人們對生活質量的要求越來越高，這時理財的概念也不斷被人們所熟知。理財是一種善用錢財，追求財富的過程，將資金做出最明智的應用使資金產生最高的效用是理財最基本的作用，理財是人們提升生活水平最重要的手段。理財對于一個精神財富相對豐富，而無知財富相對匱乏的大學生里說是一個很重要的人生的生活技能。由于近年來中國教育理念及多種因素導致大學生理財能力不容樂觀，對理財缺乏認知，關于大學生理財的負面新聞不斷出現，這是筆者寫作的緣起。本文采用問卷調查的方式對XX學院300名學生的理財現狀進行了抽樣調查，并對調查收回數據進行分析發現：當代大學生存在消費結構不合理，理財意識淡薄，缺乏理財實際經驗，對投資市場及工具不熟悉等問題，并針對大學生存在的問題提出了以下幾個建議，即大學生應該學會合理消費，樹立理財意識；家庭應積極引導大學生正確理財；學校應開展有關理財的教育課程；社會及政府部門應努力營造有益于大學生理財的環境。希望能有效幫助大學生理財。

關鍵詞：大學生；理財現狀；分析

ABSTRACT:With the continuous development of China's economy, quality of life have become increasingly demanding, when the concept of financial management also continue to be well-known. Financial management is a good use of money, the pursuit of wealth funds make the smartest application of funds generated the highest utility is the most basic role of financial management, financial management is the most important way for people to enhance the standard of living. Financial management for a spiritual wealth is relatively abundant, and ignorance of the relative lack of wealth of the students said life is a very important life skills. Learn financial management can not only add an indelible mark for university life, it is the accumulation of energy for later stepping into the social face real life, in recent years the Chinese philosophy of education and a variety of factors led to the financial ability of college students is not optimistic, the financial lack of awareness of the negative press about the financial management of college students. This is the origin of the author writing. This article questionnaire on the financial status of the students of the Honghe university, and recover data analysis the survey found that contemporary college students consumption structure is irrational, lack of financial consciousness and financial experience, and have no idea with the investment markets and instruments, proposed a number of recommendations for college students about those problems,：Students should learn to rational consumption, and financial awareness; Families should actively guide students to use financial management correctly; Schools should carry out financial education programs; Social and government departments should strive to create good financial environment for college students. Hope they can help college students finance effectively.

Keywords: College Students; Financial Management; Analysis