Financial Changes Are "Lost Money", High-Risk Financial Management, No Professional Guidance Is Worrying.

Since the beginning of the school, college students have been cheated everywhere, especially in financial fraud.

Recently, the ant gold business school jointly joined the Chinese People's Public Security University Collaborative Innovation Center for Cyberspace Security and the rule of law to conduct a survey of 300 thousand university students from nearly 1000 universities across the country.

The survey shows that the average score of Chinese college students' ability to defraud is only 69 points, of which 48% students are unable to see the trap of campus loan fraud. They are willing to pay deposit in order to borrow money. 23% of college students believe that there are no risk and high yield financial products, which are easily deceive by high interest.

Nowadays, many college students are keen on investing in finance.

However, in cultivating independent living ability and economic capacity, college students' investment and financial management is also lack of risk screening ability, lack of financial literacy and frequent problems. How to balance the risk of income risk?

In the first half of 2015, the bull market of A shares attracted many investors, and Liu Ding, who was still in the ivory tower, was also one of them.

After getting thirty thousand yuan of family support, he did not share in the stock market experience. He also ran his account with his girlfriend. He earned nearly ten thousand yuan in just a few months. He was ready to take his girlfriend to Jeju Island with the money.

However, the trip to Jeju Island has not yet taken place, the stock market suffered a cliff style fall, and the money earned was almost lost.

Liu Dingyu recalls himself.

It is mainly through the way of reading materials, watching videos online and so on. The contents and methods of school teachers are too monotonous and rigid. Most of them are oral theories, lack of practical operation and low practicability, so that they are not caught up with the arrival of the stock market crash.

Tu Yong, a student in Qian'an, Hebei, told reporters that although they want to let their children learn how to manage their money in universities, they have no professional guidance. Their children's majors are not related to economics. They know little about financial management. Basically, parents are "walking on their own" according to their experience.

Xiao Liu, a student at Anqing Normal University, told reporters that he had never had access to other financial means other than bank savings before.

Usually put the cost of living and part-time money in it.

Relative to the balance of treasure, the stock fund's income is more substantial, Xiao Liu has thought about buying the fund, but in the end it is deterred by lack of professional knowledge.

Most "post-90s" students believe that school financial and business education, real financial investment, and Internet media pmission are reliable ways of financial business education. 57.5% of college students choose school education as a reliable way of financial and business education. They hope that the mode of financial and business education in universities is an open lecture such as elective courses and open classes in universities, and 39.7% of college students think that the financial business class has the necessity of "taking compulsory courses for college students as general education".

More than 60% of college students believe that products with high interest rate and low risk are easy to be misled by some P2P financial products advocating "high yield and low risk".

Wu Hao, a college student in a university in Anqing, Anhui, has been promoting part-time jobs in a P2P platform for a period of time when he first entered school. "Many P2P platforms I have worked part-time have claimed that interest can be set by myself, and some can even set interest rate to 30%. There are professionals who integrate funds and have special collection companies. Students who lend money can get high interest income without fear. However, this is not the case."

Wu Hao explained that although interest can be set by itself, it is too high to be willing to borrow, and the platform itself will also charge a certain fee.

Wu Hao later left to continue his part-time job in promoting the P2P platform. He said that "lenders" did not earn enough money, and "borrowers" were too miserable.

"When I was part time job, I saw some platforms specifically designed for college students to promote the policy of unsecured loans of 150 thousand yuan.

The more we roll, the more we can only take bare bars or go to extremes.

Mi Zhuang financial management is an internet financial management company in Hangzhou. Chen Cheng Zhuang, CEO, said that the credit consumption demand of college students is depressed and demand will be supplied. A large number of Internet financial companies are optimistic about this group as well as the process of market selection.

After the recognition of the status of Internet finance began last year, P2P company has entered the stage of ebb and flow. Eventually, there will be several platforms with strong operational capabilities and a platform for professional services in the field of subdivision.

This reporter has learned that some P2P products that promote "high yield and low risk" have a large market in Colleges and universities. Many college students expect high yield financial products to blindly yearn for financial products with high returns and small risks.

"If I have five thousand yuan now, I will do something I like, instead of putting it on the net loan platform. I can neither get money nor hurt others."

Wu Hao said.

Chen Chengzhuang reminded college students to master several discrimination.

Is the financial platform reliable?

For example, to see if there is a certain scale, word-of-mouth, do not blindly pursue high interests. When interest rates exceed 20%, we should polish our eyes. At the same time, we should pay attention to the reimbursement method and information collection of platform services. Whether the information collection is reasonable or not, part of the fraud platform will collect information in the name of financial management.

Yang Jianhua, a researcher at the Zhejiang Academy of Social Sciences, said that establishing reasonable goals and healthy values, making or failing, does not affect daily life.

Society, schools and families should encourage and support college students' financial management, establish correct ideas, and do not expect college students to make big profits in financial management, mainly by improving their skills and accumulating experience.

Many university teachers have pointed out that the current financial and business education is basically blank in science and engineering schools or majors. The education of financial quotient should be arranged as a general education course.

The school community can also be incorporated into the business simulation training of innovation and entrepreneurship to cultivate students' financial literacy.

Nowadays, parents' families are also changing their views on financial management of college students. The original objection does not support today's enlightened support, and many parents give money to their children to manage their finances, and personally instruct them to give advice.

"More importantly, it is necessary to cultivate children's credit spirit from an early age. The cultivation of credit consciousness requires linkage between family education and school education. With the improvement of the national credit system, it is difficult for people without credit to base themselves on society and teach their children to value their credit."

Chen Chengzhuang said.