University Students Investment And Financial Management Statues And Analysis Of Influencing Factors

In recent years,China's investment and wealth management market has grown rapidly.Various types of financial institutions have flooded in and seized market share.By the end of2017,national banking financial institutions had issued more than 90,000 wealth management products,and the number of wealth management products surpassed 29 trillion yuan.The financial and investment market is extremely competitive.However,while all kinds of financial institutions are seizing market share,they have neglected the section of the financial market for college students.As a representative of high IQ,college students have a huge social group and have strong growth potential.In the future,college students are likely to become the new profit growth pole of financial institutions.In the investment and wealth management market of college students,whoever can serve the group of college students,whoever will be able to occupy an advantageous position in the investment and wealth management market.In addition,if college students can develop a good sense of investment wealth and consumption during school,they will not only lay a good foundation for their future management of their own wealth,but also make positive contributions to the harmonious development of their families and harmonious society.This paper collects relevant data on the investment and financial management of college students in Baoding City in the form of questionnaires,and then analyzes the status quo of college students' investment and financial management.The questionnaire is divided into six parts: the basic personal information of college students,the basic situation of undergraduates' investment and finance,the atmosphere of undergraduates' investment and financial management,the attitude of undergraduates to investment and financial risks,the future demand of college students for investment and wealth management,and their views on investment and finance.From the statistical results of the questionnaire,it is found that college students have diverse channels for acquiring investment and financial knowledge,but they are more focused on the Internet;they have a stronger desire to invest in finance,but are more affected by families,campuses,and people around them;sources of funding are diverse,and risk prevention and control awareness Weakness;Weak risk tolerance,strong requirementfor capital security,tend to low-risk short-term wealth management products;limited ability in investment and financing,limited investment,and general level of income;investment and financing are mainly short-term arrangements,lack of funds Long-term planning and so on.At the same time,this article uses Logistic model to carry out regression analysis of influencing factors.Through the regression results,we find that the factors affecting the investment and financial management of college students include: type of school,major,place of household registration,family financial management,campus training,surrounding people investment,monthly fund surplus Situation and acceptance of risk.According to the analysis of the status quo and the factors of undergraduates' investment and financial management,this article tries to create a good investment and wealth management atmosphere for college students;the government should popularize financial knowledge and strengthen financial supervision;financial institutions should further improve the design and management of financial products;To enrich their investment and financial management knowledge,establish a scientific investment and financial awareness from four perspectives put forward countermeasures and suggestions.