当代大学生消费存在的问题及对策

XCLW55041  当代大学生消费存在的问题及对策  (字数：6053)

中文摘要

在21世纪的今天，有一群特殊的消费群体—大学生，由于大学生经济不独立，而消费却自由主张，是这个群体的典型特点，超前消费、负债消费、奢侈消费已经越来越被众多的大学生所接受.本文从当前大学生的消费特点行为出发，分析了当前大学生消费中存在的问题及其产生这些问题的原因，并提出了几点对策。大学生应树立合理的消费观念，家庭要注意培养孩子正确的消费观，学校加大校园文化建设，讲消费纳入学校教育规划，为探讨大学生健康消费的对策提供了基础和依据。

本次调查旨在通过分析大学生特别是贫困学生的消费行为来了解当前的消费情况，以探索潜在的问题并提出相应的有效补救措施。鼓励大学生养成良好的消费习惯财商”一词的提出者罗伯特·清奇曾经说过：“财商与你挣了多少钱没关系，它是测算你能留住多少钱以及能让这些钱为你工作多久的能力。” 从表面上看，消费是个人行为，但从更深层的意义上说，消费心理、消费意向、消费意识、消费嗜好是一种精神文化现象。从这一意义上说，校园里出现的不良消费所造成的消极影响是不容忽视的。它不仅加重了学生家长的经济负担，影响了家长和学生的感情;还在某种程度上扭曲了校园人际关系，影响了正常的教学秩序;对学生个人来说，这一时期形成的道德观念可能会影响他一生的消费行为，并且与其人生观、价值观、健全人格的形成和完善密切相关。

关键词：大学生消费 消费问题 消费观  对策

abstract

In the 21st century, there is a special group of consumer groups-college students, because the economy of college students is not independent, but consumption is free to advocate, is the typical characteristics of this group, ahead of consumption, debt consumption, luxury consumption has been more and more accepted by many college students. Based on the consumption characteristics of college students, this paper analyzes the problems existing in the consumption of college students and the causes of these problems, and puts forward some countermeasures. College students should establish a reasonable concept of consumption, families should pay attention to the cultivation of children's correct concept of consumption, schools should increase the construction of campus culture, stress consumption into the school education plan, in order to explore college students The countermeasures of healthy consumption provide the basis and basis.

The purpose of this survey is to analyze the consumption behavior of college students, especially poor students, to understand the current consumption situation, in order to explore the potential problems and put forward the corresponding effective remedies. Robert Qingqi, the proponent of the word "financial quotient", which encourages college students to develop good spending habits, once said: "Financial quotient has nothing to do with how much money you earn. It is the ability to keep how much money you can keep and how long you can make it work for you." On the face of it, consumption is a personal behavior, but in a deeper sense, consumer psychology, consumption intention, consumption consciousness and consumption hobby are a spiritual and cultural phenomenon. In this sense, the campus The negative impact of bad consumption can not be ignored. It not only aggravates the economic burden of students' parents, affects the feelings of parents and students; to some extent, distorts the campus interpersonal relationship and affects the normal teaching order; for students personally, the moral concept formed in this period may affect his consumption behavior all his life, and is closely related to the formation and perfection of his outlook on life, values and sound personality.

Key words: countermeasures of consumption View of College students' consumption and consumption

目  录

绪论1

一、当代大学生消费状况存在的问题2

（一）储蓄观念淡薄，财商需培养和加强2

（二）消费差距拉大，出现两极分化2

（三）消费结构存在不合理因素，女生更为突出2

（四）过分追求时尚和名牌，存在攀比心理2

（五）恋爱支出过度2

二、深度剖析3

（一）家庭教育3

（二）社会教育3

（三）学校教育3

三、大学生合理消费的建议3

（一）学校的作用3

（二）父母的引导3

（三）尽早确立人生目标，对未来的职业生涯做好规划4

总结4

（一）掷地有声，钱要花在刀刃上4

（二）有意识地控制自己的消费4

（三）养成节俭的好习惯4

（四）把握消费时机4

（五）合理利用银行卡4

参考文献6