大学生理财产品需求分析--以问卷调查为依据
study on college students' needs for financial products-based on questionnaires
以发放问卷的方式收集数据，旨在通过对大学生投资理财购买现状的调查中全面了解当代大学生的投资状况。分别从风险、收益、投资期限和购买途径的角度分析大学生理财产品的需求。研究发现，多数大学生选择理财产品的目的是为了得到超额收益，而少数大学生为将来的育儿、养老做准备。而且，大学生倾向于选择储蓄、保险等风险较小的投资产品，而回避股票、基金、债券等风险偏高的产品。同时，大学生在期限的选择上表现出偏好长期理财产品的特点。
In this paper, college students' needs for financial products are surveyed by questionnaires . College students' needs for financial products mainly depend on the risk, the earnings and the investment term. According to this survey, most students choose financial products in order to get excess earnings, few for their future investment. Forthermore, college students prefer the investments with lower risk and longer terms.
张文慧、张广胜、宋雪梦、池丽旭、张兵华
财政、金融教育
金融大学生理财理财产品
financecollege students financingfinancial investment
张文慧,张广胜,宋雪梦,池丽旭,张兵华.大学生理财产品需求分析--以问卷调查为依据[EB/OL].(2013-05-27)[2025-08-06].http://www.paper.edu.cn/releasepaper/content/201305-409.点此复制
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