In recent years, there has been a “financial boom” on campus. How do you allocate the cost of living, how should you save the money? These topics often appear in the daily conversations of university students. In the past, “financial management” seemed to be the exclusive domain of the work force — with stable income, idle money, social experience — to be able to talk about investment. Today, there is a trend towards the rejuvenation of financial businesses, with more and more university students taking the initiative of looking at financial information, and their “financer manual” is more authentic。
Financial awareness is early, but it's a bit of an operation
Unlike the previous generation, which had “to save up enough money before investing”, many university students now had an early financial awareness. In junior high school, cheng was entangled by parents who bought the first fund in their lives with their old money: “when my parents thought i was playing around, now i'm studying finance, and i opened a stock account in my first year.” however, she dared to invest little money in the “swam-swam” in the deep sea of the stock market, with a “swam” mentality. A study by the dt institute of the business platform for finance and economics under the first treasury found that 56. 2 per cent of the principal sum of “after 00” equity investments was within $50,000, and that “small water test” was a common feature of them。
At the same time, sound finances are very popular with university students. Liang, claiming to be a “completely healthy man”, transferred almost all of her living expenses, scholarships and internships to fixed-term deposits and the purchase of state debt from the third generation. "my dad laughed at me and told me to take high-risk returns until he made a big mistake and we stopped." lian was joking. In her view, savings were not just numbers, but real security. "conservative is good." the late arrival of the father's consent has made her more committed to the low risk line。
According to the data, university students tend to be conservative and risk-sensitive. The fourth edition of the blue book of the national survey of student wealth studies, published jointly by the shanghai censorship office, the shanghai securities journal, the national fund for the advancement of women and the fondation le fontaine, shows that 64. 76 per cent of university students agree with the financial principle of “the higher the returns, the greater the risks”. At the same time, when they were asked about the primary consideration before investing, 47. 38 per cent of students considered the “safety of principal” as the primary consideration. Consciousness runs ahead, but it works with caution, and the university students know that money has a temper and is hard to earn。
While a growing number of university students are aware of the importance of “financial learning”, differences in professional expertise, personal interest and life planning also allow them to make different choices after measuring time and investment — with students interviewed saying “or practice better” and students choosing to spend petty money on various types of interest courses, because they believe that money will only be better understood when they come into contact with society, and it will not be too late to start financial management. This choice of diversity in itself shows that university students are now more conscious, and that what is more important is that the so-called “finance firmure” creates a clear perception of money, rather than blindly pursuing short-term wealth additions。
Stop the tea rushing, fix financial thinking
The family economic base of this generation of university students is generally higher than that of the previous generation. In addition to the traditional means of earning money, such as part-time work, tutorship, old-age money, living expenses, scholarships, and even a “test-water fund” paid directly by parents, many people have a “first barrel of money” available at the university level, even if it is modest, and the initial funds have given them the base of “money-making” and a number of university students have embarked on a process of financial management with the desire to “pay for themselves”。
In the social circles of university students, the topic of financial management is becoming more common. According to the january 2026 data, the platform's financial interest group “after more than half of 95 years, after 0000, has received over 26. 17 billion visits to the topic “girls for money” and the youth financial interest community has flourished. Social media, peer-to-peer exchanges of experience constitute easy access to information. Liang is also a member of the “saving girls” who follows little red's school programme to open financial accounts and often communicate with her friends。
This passion extends from line to line, and it affects university studentsConsumptionI don't know. During the internships, we had a big talk with “colleagues” and went back to the dormitory at night, where even the money spent on the guests came from stock profits ... Upon receiving the first share of the profits, ho invited the entire dormitory to tea. He said that he was more successful than spending the cost of living paid by his parents by buying his own money. He used to drink two or three cups of milk tea a week, and now watch the stock numbers jump, he can't wait for the 20 bucks to throw his pocket money back into the stock market, so he drank a lot less and lost weight. Although the tea was less fun, daily exchanges with his classmates had become a new source of happiness。
The internet is easy to step on
The development of social media has made the financial knowledge of modern university students far more available than those of their fathers. A large amount of financial literacy can be obtained quickly through the internet, and a university student can “student in his/her own way” in finance even if he/she does not have a proper financial education。
Despite the wealth of information available online, the quality is not uniform. Today you are taught "shoha" and tomorrow you are advised to "took the bottom" and students who lack systematic training are easily taken into a ditch. When it comes to the topic of microblogging: #the price of gold fell and college students lost their living expenses # , liang lamented: #it wasn't all said that gold was the best price saved # #i almost bought it, and then thought i didn't. It's only a week later, and the price of gold starts falling."
He prefers to read technology news and listen to front-line technology podcasts after dinner, and he prefers to try to judge the direction of the market through independent analysis, even though he knows that there is greater uncertainty, “if i choose it, i accept it.”。
There are also students who wish to introduce basic courses in finance so that they do not study blindly. It was also observed that similar courses currently under way were too theoretical to really meet their actual needs and that teachers were expected to speak more about risk traps and practical experience. Studies from a number of higher education institutions in zhejiang show that when asked about financial education in schools, only 8 per cent of students considered the curriculum to be adequate。
In this regard, it was suggested that financial institutions and universities could be directed to create a curriculum system that would incorporate product structures, real cases of financial risk, investment ethics, etc., and transform substantive resources within the industry into available teaching resources. At the same time, the creation and development of a system of co-education, teacher-training, base-sharing, credit recognition, etc., has made education an integral part of the national education system。
The right view of money, consumption and investment in the course of learning about finance is not only a matter of personal financial health, but is also becoming a way for university students to understand society. For university students, planning before earning money is where the value of a “financer” is raised, and it is the most worthwhile page of this “financer's manual” to look back on。
