The Influence Of Family Financial Education On The Behavior Of College Student Consumers

With the number of college students increasing, their harmful consumption issues are increasingly concerned in our country. College students are special consumers, and their life expenditures mainly rely on domestic supply,so family financial education inevitably has an important impact on college students in consumer behavior. But there are few people studying the problem deeply. This research tries to do something about it.To find the relationship between family financial education and the behavior of college student consumers ,an investigation has been carried on among the college students. The result of this study shows that:(1) The family financial education questionnaire and the college student consume behavior questionnaire have boundary fine message effect,in line with requirement of psychological measurement, and they can be as research tool.(2) In general the family financial education is in a healthy way. The sequence of the four dimensions shows: the intervention type> the guidance type> the indulgence type > the complain type.(3) College students behave variously in consumption, the overall characteristics is positive and healthy.In the order of scores,the four dimensions of students consumption behavior are: realistic consumption> impulse consumption> comparisons consumption> advance consumption .(4) Parents of different ages have different financial education. Young parents in the financial education are easy in indulgence education, while elderly parents easily in complain education.(5) Different groups of students have different consumption patterns. Senior students are likely to have comparisons consumption and advance consumption, urban students tend to have comparisons and impulse consumption, and high-income families'students easily have advance consumption.(6) Famliy financial education has an important influence on their children's consumption behavior. The guidance financial education make college students grew up under the more scientific and rational consumption, bue the other types lead to bad consumer behavior.