大学生个人理财的误区和改进思路

身为大学生增强投资理财意识十分重要,笔者认为,作为未来投资理财的主体,大学生个人理财中凸显诸多的误区亟待解决。对此,本文结合目前大学生的经济状况和笔者实际状况以09年12月为研究对象分析了个人理财的诸多不合理因素及其形成原因,运用数理、宏观经济学、审计学中诸多方法从多角度,进行分析,对大学生个人理财实践提出了有关建议,对大学生个人理财误区进行了改进。

Research on the Mistakes and Measures of Personal-Finance of Undergraduates

It is critically important for college students need to develop a strong sense of personal financial management （PFM）. By referring to the general economic conditions of nowadays university students, the author conducted a case study on her personal expenditures and income in December 2009 and calls for immediate attention to several concerns raised in the PFM on campus as well. The study involving mathematical, macroeconomic, auditing and other subjects, employed various methods such as logical analysis, content analysis as well as conducting case study to explored the reasons for improper PFM among university students. Accordingly, the author also provides some suggestions for improving PFM among university students.