The consumption types of contemporary college students and their influencing factors are as follows:
Influencing factors:
Among many factors that affect the consumption patterns and habits of college students, family, family habits and family economic conditions are the most important. Family is one of the main environments that affect personal growth, and it is also the most important element that affects college students' consumption view.
Family members and family habits have an impact on consumption concept, while family economic conditions directly affect the objective consumption level. Therefore, college students with higher total monthly consumption usually come from families with abundant family economic conditions, and their parents' consumption views are relatively advanced; or vice versa, Dallas to the auditorium
Consumption type:
1. Developmental consumption. That is, consumption for the purpose of self-development is of great significance and function to college students.
2. hedonic consumption. Hedonic consumption is not necessarily unfavorable and negative. But there is indeed an excessive irrational consumption, which has a wide range of contents and various forms.
3. blind consumption. It is a kind of consumption behavior that does not plan for the future. It only cares about immediate interests at present, but regrets afterwards. It is a kind of consumption behavior that is extremely unfavorable to the life and development of college students.
4. Comparison consumption. It refers to the extravagant consumption of goods beyond practicality, the pursuit of existence and status among peers, which wastes environmental resources and brings economic burden to families.
Benefits of capital planning:
1. Learning capital planning is conducive to reducing the financial burden of families.
Most college students come from peasant families or working families, so tuition and living expenses are a heavy financial burden for parents during their studies. College students should learn to plan funds as soon as possible, reduce the burden for their parents and establish an independent economic foundation.
2. Learning fund planning is conducive to improving self-management ability.
Nowadays, there are more and more "moonlight clan" in the university campus. If you don't manage your money, you won't know where to go. Therefore, if we can seriously adhere to the capital planning, we can not only save a lot of money that should not be spent, but also improve our planning and management capabilities.
3. Learning fund planning is conducive to adapting to the law of social survival.
Kurt Cunningham, an American financial expert, famously said, "You can't develop good financial habits, even if you have a doctorate, you can't get rid of poverty." Therefore, we should actively cultivate the awareness of capital planning, form good habits of capital planning and master the necessary common sense of capital planning in college.