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大学生财经行为提升机制研究. (2025). 教育学刊, 3(11), 56-60. https://doi.org/10.62836/jer.v3n11.0793
Copyright (c) 2025 谈夏维, 李佳桔
This work is licensed under a Creative Commons Attribution 4.0 International License.
大学生财经行为提升机制研究
谈夏维*，李佳桔
西华大学管理学院，四川成都
摘要：随着中国经济社会的快速发展，大学生逐渐成为未来金融消费和理财决策的重要主体。然而，现有研究显示大学生普遍存在财经素养不足、财务独立性较低与消费行为非理性等问题。基于家庭教育理论与金融社会化理论，并结合国内外财经教育与财经行为关系的实证研究成果，本研究系统探讨大学生财经行为提升机制。研究发现：家庭财经教育在塑造财经态度与财经行为方面具有基础性作用，学校教育在财经知识普及、金融伦理与财务独立培养方面发挥关键功能，而社会支持则提供制度化保障。本文据此提出家庭—学校—社会协同作用的多维提升机制，以期为推动新时代大学生财经行为改善提供理论与实践依据。
参考文献
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[5] Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial socialization of first‐year college students: The roles of parents, work, and education. Journal of Youth and Adolescence, 39(12), 1457–1470. https://doi. org/10.1007/s10964-009-9432-x
[6] Bandura, A. (1977). Social learning theory. Englewood Cliffs, NJ: Prentice-Hall.
[7] Danes, S. M., & Haberman, H. (2007). Teen financial knowledge, self‐efficacy, and behavior: A gendered view. Financial Counseling and Planning, 18(2), 48–60.
[8] Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: Theory and critical review. Journal of Family and Economic Issues, 32(4), 644–667.
[9] Ward, S. (1974). Consumer socialization. Journal of Consumer Research, 1(2), 1–14.
[10] Shim, S., Serido, J., Bosch, L., & Tang, C. (2009). Financial socialization of young adults: The intergenerational transmission of financial attitudes and behaviors. Journal of Family and Economic Issues, 30(4), 463–472.
[11] Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
[12] Barua, R., Bandyopadhyay, S., & Saha, A. (2018). Does financial education enhance financial preparedness? Evidence from a natural experiment in Singapore. Journal of Pension Economics & Finance, 17(3), 254–273.
[13] Borden, L. M., Lee, S.-A., Serido, J., & Collins, D. (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of Family and Economic Issues, 29(1), 23–40.
[14] Gerrans, P. (2021). Personal finance education, literacy and financial behaviors: Longitudinal evidence from university students. Journal of Behavioral and Experimental Finance, 30, 100495.
[15] Adesina, O. S.,Adekunle, B. S., & Oke, O. F. (2025). The relationship between financial education in young adults and financial literacy: A review of the literature in Canada and the United States. Accounting Perspectives, 24(1), 1–25.
[16] Tan, X., Li, Y., Hu, J., Niu, Y., Ying, Z., Lu, S., & Xu, Q. (2022). Is it necessary to launch a school-based financial literacy curriculum? Evidence from China. Frontiers in Psychology, 13, 945327.
[17] Tan, X., Li, Y., Hu, J., & Xu, Q. (2025). Financial education and budgeting behavior among college students: Extending the theory of planned behavior. International Journal of Bank Marketing, 43(3), 621–645.
[2] 俞姗. 大学生金融行为及其对金融教育的启示——基于F 大学的调查与中美校际比较[J]. 福建师范大学学报(哲学社会科学版), 2009, (04): 164-172.
[3] Deacon, R. E., & Firebaugh, F. M. (1988). Family resource management: Principles and applications. Boston: Allyn & Bacon.
[4] Xiao, J. J. (2008). Applying behavior theories to financial behavior. In J. J. Xiao (Ed.), Handbook of Consumer Finance Research (pp. 69–81). New York: Springer.
[5] Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial socialization of first‐year college students: The roles of parents, work, and education. Journal of Youth and Adolescence, 39(12), 1457–1470. https://doi. org/10.1007/s10964-009-9432-x
[6] Bandura, A. (1977). Social learning theory. Englewood Cliffs, NJ: Prentice-Hall.
[7] Danes, S. M., & Haberman, H. (2007). Teen financial knowledge, self‐efficacy, and behavior: A gendered view. Financial Counseling and Planning, 18(2), 48–60.
[8] Gudmunson, C. G., & Danes, S. M. (2011). Family financial socialization: Theory and critical review. Journal of Family and Economic Issues, 32(4), 644–667.
[9] Ward, S. (1974). Consumer socialization. Journal of Consumer Research, 1(2), 1–14.
[10] Shim, S., Serido, J., Bosch, L., & Tang, C. (2009). Financial socialization of young adults: The intergenerational transmission of financial attitudes and behaviors. Journal of Family and Economic Issues, 30(4), 463–472.
[11] Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. https://doi.org/10.1257/jel.52.1.5
[12] Barua, R., Bandyopadhyay, S., & Saha, A. (2018). Does financial education enhance financial preparedness? Evidence from a natural experiment in Singapore. Journal of Pension Economics & Finance, 17(3), 254–273.
[13] Borden, L. M., Lee, S.-A., Serido, J., & Collins, D. (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of Family and Economic Issues, 29(1), 23–40.
[14] Gerrans, P. (2021). Personal finance education, literacy and financial behaviors: Longitudinal evidence from university students. Journal of Behavioral and Experimental Finance, 30, 100495.
[15] Adesina, O. S.,Adekunle, B. S., & Oke, O. F. (2025). The relationship between financial education in young adults and financial literacy: A review of the literature in Canada and the United States. Accounting Perspectives, 24(1), 1–25.
[16] Tan, X., Li, Y., Hu, J., Niu, Y., Ying, Z., Lu, S., & Xu, Q. (2022). Is it necessary to launch a school-based financial literacy curriculum? Evidence from China. Frontiers in Psychology, 13, 945327.
[17] Tan, X., Li, Y., Hu, J., & Xu, Q. (2025). Financial education and budgeting behavior among college students: Extending the theory of planned behavior. International Journal of Bank Marketing, 43(3), 621–645.
