摘要:随着我国经济的不断发展，人们对生活质量的要求越来越高，这时理财的概念也不断被人们所熟知。理财是一种善用钱财，追求财富的过程，将资金做出最明智的应用使资金产生最高的效用是理财最基本的作用，理财是人们提升生活水平最重要的手段。理财对于一个精神财富相对丰富，而无知财富相对匮乏的大学生里说是一个很重要的人生的生活技能。由于近年来中国教育理念及多种因素导致大学生理财能力不容乐观，对理财缺乏认知，关于大学生理财的负面新闻不断出现，这是笔者写作的缘起。本文采用问卷调查的方式对XX学院300名学生的理财现状进行了抽样调查，并对调查收回数据进行分析发现：当代大学生存在消费结构不合理，理财意识淡薄，缺乏理财实际经验，对投资市场及工具不熟悉等问题，并针对大学生存在的问题提出了以下几个建议，即大学生应该学会合理消费，树立理财意识；家庭应积极引导大学生正确理财；学校应开展有关理财的教育课程；社会及政府部门应努力营造有益于大学生理财的环境。希望能有效帮助大学生理财。

关键词：大学生；理财现状；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