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  • 消费习惯论文 关于消费习惯论文范文参考资料

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    高中生消费习惯和理财观念调查报告

    摘 要:高中生作为一个消费群体而言,在消费上呈现出追求潮流、追求品味的特征.但是,高中生在经济方面并不独立,个人的辨别能力不是很强.在这一实际的背景之下,引导高中生树立正确的消费观和理财观便显得意义重大.本文通过发放调查问卷的形式,试图通过回答问题的形式分析当前95后高中的消费现状和理财观念,并借此找出已经存在的问题,为改善当代高中生消费习惯和理财观念提出切实可行的建议.

    关键词:高中生 消费习惯 理财观念

    一、问题的提出

    高中生作为社会中具有青春活力的群体之一,一方面面临着高考的压力,另一方面有着自己独立的消费意识和消费追求.和此同时,高中生大多处于十六七岁的年代,正是正确消费习惯和理财观念形成的重要阶段.

    二、调查的设计和实施

    (一)调查的目的

    通过此次抽样调研,了解现在95后高中生在消费行为和理财观念等有待完善的方面,通过对 析研究,为下一步的工作做出有效参考,从而引导高中生树立正确的消费观和理财观.

    (二)调查的内容

    高中生收入的主要来源;高中生的基本消费情况;高中生的主要消费方向;高中生的消费习惯;高中生的理财观念.

    (三)调查的方法

    本次的调查方法通过调查问卷的形式进行的,在设计问卷的过程中,充分考虑了学生的性别、户籍性质和年级等方方面面的问题,力求调查深入透彻.根据这一理念的指导,共发放3000份调查问卷,其中高一、高二、高三各年级均为1000份,再根据年级学生的性别和生源再次区分.

    三、调查结果统计和分析

    (一)高中生收入的主要来源

    收入的多少直接影响到消费水平的高低和消费观念的形成.根据问卷调查结果显示,高中生的收入主要来自父母给的零花钱和长辈给的压岁钱.统计数据分析,有十分之一的学生月收入在1000元以上,500—1000的人数占到一半,还有四成的学生每月生活费在500元及以下.而每年压岁钱收入差距十分明显,多者能达到上万,而少的只有几百.

    (二)高中生的基本消费情况

    从以上数据来看,虽然说学生的收入差距较大,但总体而言,高中生的日常的生活费用还是相对比较高的.在问卷中有这样一个问题:请问,你每一个可以结余多少钱?A几乎没有B 100元以下C自己也不清楚D其他.根据反馈情况来看,有一半左右的同学的答案是A,还有三成左右的学生的答案是B,剩下20%的同学由于缺乏理财的观念,连自己也不清楚.同时,在调查中笔者发现,收入越多的学生反而结余的越少.

    (三)高中生的主要消费方向

    一是追求品牌的的衣服和日用品等.95后高中生的品牌意识较强,大多数学生在购物时会优先考虑品牌,在经济条件允许的情况下,会更多考虑买一些名牌的衣服和日用品.

    二是外出聚餐或者看电影、ktv唱歌等娱乐活动.在一些重要节日或者学生生日的时候,外出参加各种娱乐活动或者聚餐便成为学生的首选.

    三是参加课外培训辅导或者购买书籍等学习用品.一些同学为了发展自己的的兴趣或者为了提高自己的学业成绩,通过辅导班或者看书的方式提升自我.

    (四)高中生的消费习惯

    首先,大多数高中生对消费较为乐观,没有存钱理财的观念,近50%同学表示有了闲置的钱会毫不犹豫地花掉.其次,只有二成的同学曾经有过存钱或者理财的想法,但只有不到10%的同学落实到行动,而真正坚持下去的人少之又少.第三,家长的购物习惯对高中生的消费习惯的形成影响深远,若家长自身的消费习惯不好,就会对孩子产生不好的示范作用.

    (五)高中生的理财观念

    最后,通过留白的题目调查了同学们理财观念,举例如下.甲同学:“理财需要有一定的经济基础和经济条件,现在还是学生,没有独立的经济来源,根本谈不上理财,学生阶段不要有理财观念”.乙同学:“作为一名高中生,还不明白理财的相关知识,但我会合理的规划和利用手中的钱,花钱就应该花在真正有用的地方上,可以提升自己也可以帮助那些暂时在经济方面有困难的人”.丙同学:“利用一个专门的笔记本,每天及时记录当天的开支数目和开支的内容,特别是需要记下自己是结余还是“赤字”,经过一段时间的分析总结后,知道日后如何开支,如何理财.”

    从以上三位同学的个人表述来看,代表性较强,反映了当前高中生主要的理财观念.有的学生根本没有理财的意识;有的学生虽然有意识,但缺乏相应的具体行动;有的学生已经意识到了培养理财观念、了解金融专业知识的重要性,但是尚处于初级阶段,仍需要教师及时的引导,树立正确理财观.

    四、引导高中生养成正确的消费习惯和理财观念的建议

    (一)加强相关领域的调查研究,进行可行性方案规划

    在日常的学习生活中,教育工作者应该更加关注学生的消费习惯和理财观念.注重研究高中生在消费过程中遇到的问题,及时分析,及时引导,真正解决存在的困惑和问题.

    (二)营造积极的文化氛围,倡导勤俭节约的消费行为

    在实际的教育过程中,要积极引导高中生科学规划安排手中的金钱,建立和家庭实际情况相符的消费习惯.通过积极的外在宣传手段,鼓励学生积极、合理消费,反对奢侈盲目的消费行为.

    (三)将理财观念作为高中生的一门必修课

    现代社会中,理财已经成为一个人发展的重要的条件,学会理财将成为人立于社会的生存技能.对于理财,要明确在什么时间做什么事情,要有适度的原则,认识到认识金钱及金钱规律的能力.

    五、结束语

    综上所述,高中生的消费习惯总体上处于成长健全期,而理财观念还仅仅处于起步阶段.所以,教育工作者要积极引导高中生从细节着眼,从小事入手,提前了解相关的理念知识和金融知识,以期学生在未来的生活中有更好的发展.

    参考文献:

    [1]陆茜.深圳高中生消费习惯和理财观念调查报告[J].市场周刊(理论研究),2014,04:92-94

    [2]陈丹丹.《经济生活》教学中的金钱观教育研究[D].华中师范大学,2014

    [3]李琳.德育视阈下的中学生消费问题研究[D].鲁东大学,2014

    [4]王妤晋.呼和浩特市高中生消费现状研究[D].内蒙古师范大学,2013

    消费习惯论文范文结:

    关于消费习惯方面的的相关大学硕士和相关本科毕业论文以及相关消费习惯是什么,比如?论文开题报告范文和职称论文写作参考文献资料下载。

    1、关于大学生消费的论文

    2、大学生消费行为论文

    3、消费导刊杂志

    4、关于消费的论文

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