The Current Situation and Problems of College Students 'Financial Management
The current situation and problems of college students 'financial management mainly included: 1. lack of financial management knowledge: many college students lack basic knowledge of how to manage money, including how to save, invest, manage debt, etc. Therefore, college students needed to participate in relevant courses and training to learn financial management knowledge and skills. 2. Limited funds: Most college students 'financial sources are mainly financial support provided by parents or other sponsors. It is difficult to invest and save effectively with limited funds. Therefore, college students needed to make a reasonable budget plan to control expenses and increase savings. 3. High investment risk: College students lack investment experience and are difficult to control. Therefore, college students should understand the risks and benefits before investing and choose a low-risk and stable investment method. 4. A lack of credit history: Many college students do not have a good credit history during their university years, which will affect their credit rating when they apply for credit cards, loans, and other financial products in the future. Therefore, college students needed to actively establish credit records to increase their chances of obtaining financial services. 5 lack of financial awareness: College students often regard financial management as a "profound" knowledge and lack financial awareness. Therefore, college students should strengthen their financial awareness in their daily lives, such as participating in clubs or organizations to understand financial knowledge and actively participate in financial management activities.