Research On Status And Affect Factors Of Investment And Financial Management Of College Students

This paper mainly surveys the status quo of the finance and investment of college students and carries on the research and analysis of the related problems. In order to understand the basic situation of the students’ investment and financing ability, the author carries on the questionnaire survey of college students, analyzes the basic demands, characteristics and rules of the investment and financial management for college students from the findings, and understands the basic products that the financial institutions provide for the investment and financial management of college students in the market. Thereby, it aims to establish the model, conducts the research on the influencing factors of investment and financial management of college students and gives some countermeasures and suggestions for the issues related to investment and financial management of college students.The investment involves the existing way, funds sources and main purpose of investment and financing of the college students, understands the knowledge channels of investment and financing, the willingness of future investment and financing,analyses the investment experience and influence of college students, their families,relatives and friends, the training situation of the campus investment and financing,the income of investment and financing, future investment and financing willingness,risk attitude and so on. It is found that more and more students have the investment and financing behavior and desire, but there are few products in the market,insufficient disposable funds and insufficient understanding of the investment and financial market, the way of the students’ investment is mostly blind. Besides, the school, family and society fail to pay much attention to the education and guidance of College Students’ investment and financing, which may cause that the students fail to avoid risks in investment, and there exist some hidden dangers.Aiming at the blank market of the investment of college students, it carries on the statistical analysis of questionnaire data, evaluates the factors of College students’ investment with Logistic model. The result shows that the main factors affecting theinvestment and financing of college students include the grade, major, family location,the investment and financing experience of family, the investment of relatives and friends, school training and risk attitude. Including all factors, the major, family location, the investment and financing experience of family, the investment of relatives and friends, school training have exerted positive influence on the investing and financing of college students. In addition, select 50 sample data and input them into model, compare predicted results and physical truths, which calculates that the accuracy rate of model is 90% with certain practical application value.Finally, through the analysis of the questionnaire, combined with the results of the empirical analysis of the factors affecting investment and financial management for college students, the paper puts forward the suggestions from the three aspects of the enhancement of their investment and financial ability, the innovation and marketing of investment and financial products of college students by financial institutions and the creation of a good investment and financial management environment for college students.