在泰中国留学生的财商意识培养研究

Abstract

由于经济全球化的不断深化，全球金融市场呈现高机遇与高风险并存的现状， 在这极具挑战性的经济格局下，拥有良好的投资理财观念很大程度能决定其在金融领 域的造诣以及创造财富的能力，财商越来越成为当代人必不可少需要具备的素质， 培养财商意识对于当代人而言越来越重要，大学生身为未来祖国的栋梁，树立起财商意 识刻不容缓。不可忽视的是，中国留学生这个群体长期身处异国，缺乏父母的约束，在金钱 的使用上更为自由，更易出现不理智的消费、投资、理财行为，因此本论文主要针对 中国留学生群体的财商意识培养进行相关研究，旨在帮助留学生群体端正消费行为、 树立良好的投资理财观念、养成积极向上的生活态度，使其能够在投资理财领域中合 理科学地创造财富，尽早实现经济上的自由。本论文通过描述性研究方法，并采用定 量分析法结合问卷调查，通过发放纸质问卷对于在泰国华侨崇圣大学就读的中国留学 生进行基本个人信息、财商意识现状、财商意识影响因素以及财商意识培养对策的调 查研究，采用统计分析软件进行整体问卷变量的信度分析、测度问题的均值分析等， 最终得出整体家庭因素以及学生自身的消费心理与态度对于学生财商意识的培养具有 较大的影响，在进行中国留学生财商意识培养研究时结合观察法了解留学生在日常中 呈现的消费、投资、理财行为，提出真正能够帮助留学生群体养成正确投资理财观念 的实用性对策。本论文的创新点在于使用文献研究法搜索当前大学生财商行为特点的 文献资料时，所收集采用的文献大多都较为新颖，因此在该部分中所了解的大学生财 商行为特点都是现阶段下的学生所呈现出的财商现状，更能透过当下学生普遍存在的 消费、投资、理财行为而提出相应的对策建议。

This thesis mainly focuses on the cultivation of financial quotient of Chinese students studying abroad. Due to the deepening of economic globalization, the global financial market presents the status of high opportunities and high risks. In this challenging economic situation, having a good concept of investment and financial management can largely determine their accomplishments in the financial field, improve their ability to create wealth. Based on this, financial quotient is becoming more and more important as an essential quality of contemporary people, and cultivate the financial quotient is more and more important for contemporary people. As the pillar of the future motherland, it is urgent for college students to establish financial quotient. At the same time, it can’t be ignored that Chinese overseas students are living in a foreign country for a long time, they usually lack of parental constraints and control money independently, so they will be more likely to have irrational consumption, investment and financial management behaviors. Besides, no similar research results have been found after the search for the keywords of "Chinese overseas students' financial quotient" on the website of the well-known literature resource, so this research is aimed to help the overseas students to change their consumption behavior, establish a good concept of investment and financial management. Moreover, it will help them to develop a positive attitude towards future life, so that they can create wealth reasonably and scientifically in the field of investment and financing, and also it will help them to achieve economic freedom as soon as possible. Based on the descriptive research method and the quantitative analysis method combined with the questionnaire survey. The paper-based questionnaire is issued to the Chinese students studying in Thailand for collecting the information of basic personal information, financial quotient status and influencing factors of financial quotient and the Countermeasures of financial quotient. Then it uses statistics software to analyze the reliability of the overall questionnaire variables. Finally, it is concluded that the family factors, as well as the students' own consumption psychology and attitude, have a great influence on the cultivation of financial quotient of overseas students. Therefore, the characteristics of financial quotient behavior of overseas students are representative, and can truly reflect the current situation of students' financial and business behavior.