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基于认知偏差的高校学生理财行为研究毕业论文.doc

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毕业论文 (2010届) 基于认知偏差的高校学生理财行为研究 摘 要 高校学生是当今社会一个重要的群体,对于新观念易于接受,对于新事物勇于追求。大学时代则是形成人生价值观念和学会生活技能的重要时期。作为21世纪的大学生,在大学期间不但要培养自己的“智商”,还应该学会如何具备一定的“财商”。理财不仅仅是对于金钱的管理,更是对于一个人未来的长期规划。对于大学生而言,它是一项极其重要的锻炼,是工作之前需要学习的关键技能,同时也将直接影响其未来的生活方式和处事态度。培养一个良好的理财习惯,是为自己的现在和将来做准备,对于以后走向社会将有巨大的收益,但由于目前社会经验的缺乏,导致理论与实践脱节,从而在理财过程中易产生各种心理偏差。 本文以宁波高校学生为研究对象,首先阐述认知偏差对于高校理财行为的种种影响,从而体现认知偏差对于理财行为的重要性;其次针对宁波高校学生发放调查问卷,用问卷的形式收集高校学生个人投资理财方面的信息,通过整理、分析数据,了解宁波高校学生理财现状和存在的问题;最后根据发现的问题提出可行性解决方法,为学生的理财行为提供帮助,使高校学生对理财的认知度有进一步的提高,对其未来的理财行为起一定的指导作用。 关键词:认知偏差;理财教育;理财行为 Abstract College students are important groups in todays society. They easy accept new ideas and aspire at new thing. College life is an important period when it can be formed values and learn life skills. In the 21st century, during the university students not only develop ourselves intelligence, but also learn how to have a certain wealth business. Financial management is not just about money management, is also for someones future long-term plan. To undergraduates, financing not just is an extremely important to exercise, is also the critical skills before working. What’s more, it will directly affect the future of life and attitude. Cultivating a good financial habits, it is ready for ourselves now and in the future, have huge profits in society in the future, but undergraduates are lack of social experience, it easy lead to separate the theory and practice, thus it produces all sorts of psychological deviation. The article takes Ningbo university students as the research object, firstly setting forth the influence of cognitive biases for college financial behavior, and reflect importance effects of cognitive biases to financing behavior; Second in allusion to Ningbo university student, I issue the questionnaires, in the form of questionnaire collected university students personal investment management information, and through the arrangement and analysis data, find out Ningbo university students financial status and existing problems.
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