Research On The Capacity And Influencing Factors Of Network Financial Management Of Undergraduates

In today's booming Internet,as a unique financial group,undergraduates cannot live and develop without the ability of network financial management.Compared with traditional financial management,undergraduates network financing is characterized by openness,consumption-saving-income balance,empirical accumulation and otherness.The level of network financial ability affects the daily life and study of undergraduates,which is related to the mental healthy growth of undergraduates and the improvement of the comprehensive quality of undergraduates.How to develop undergraduates' network financial ability and improve the financial quotient of undergraduates has become the focus of researcher' attention.The research chooses network financial management ability as the research theme,trying to put the development of undergraduates' financial management ability into the Internet.Based on the comprehensive view of financial management,finance,pedagogy and statistics and consulting related materials and learning from the opinions of relevant scholars,the structure of undergraduates' financial management should include the concept of network management,the network management moral,the network management knowledge,the network financial execution and the network financial risk control.According to the self-compiled "undergraduates' financial management capacity questionnaire",the author conducted a questionnaire survey and small discussion in some colleges and universities in Henan Province.Statistics of questionnaires and the scores of each question,the research data reflect the real situation of undergraduates ' network financial management concept,network financial management moral,network financial management knowledge,network financial execution and network financial risk control.Based on the data statistics of undergraduates ' financial management ability using SPSS software,this paper focuses on the analysis of influence degree of gender,place of residence,family economic conditions,parents' financial management ability,parents' financial education,undergraduates ' profession,grade and disposable income.In order to further analyze the influence factors of undergraduates' network financial management ability,the undergraduates' sample are divided into three categories by cluster analysis,according to the network financing ability structure score.Cluster I perform well in the aspects of network financial management concepts,network financial management moral,network financial management knowledge,network financial execution and network financial management risk control.Cluster 2 performance is moderate in all aspects,and cluster 3 sample perform poorly.Frequency statistics and chisquare analysis are performed on the three types of samples.Test results show that the parents' financial education,grade,parents' financial management ability,undergraduates' profession,disposable income and family residence have bigger impact on network financing ability,while sex and family economic conditions.Whether it is the analysis of the influencing factors of the total sample or the cluster analysis of the sample,the influencing factors are basically in this order.In order to improve the undergraduates' ability to manage their network finance,this paper proposes suggestions on factors such as parental financial management capabilities,parental financial education methods,disposable income,grade,and majors.This paper puts forward the family,school and social education system,the mechanism,pattern and so on series of work,at the same time,undergraduates also should play an active role.The research helps to deepen the understanding of the investment behavior of undergraduates,and helps them to establish the correct and reasonable financial concept.On the other hand,the research for the innovation and development of network finance point out the new direction,and for financial institutions push out undergraduates network finance products provide a good theoretical basis.This research focuses on the method of theory combined with the practice,comprehensively uses questionnaire research,case analysis and theoretical interpretation and other methods to make research on novel topics,diverse research methods and reliable research conclusions.Limited by the author's research level,there are problems such as insufficient theoretical elaboration and insufficient case analysis.