大学生消费调查:月均生活费1212元,8%的“经常”缺钱

又到一年开学季,中国大年夜门生的“开学经济”再度火爆。近年来,收集破费、校园快递、校园贷等大年夜门生破费征象和破费行径持续被社会关注。那么,大年夜门生匀称破费水温和理财手段若何?近…

又到一年开学季,中国大年夜门生的“开学经济”再度火爆。近年来,收集破费、校园快递、校园贷等大年夜门生破费征象和破费行径持续被社会关注。那么,大年夜门生匀称破费水温和理财手段若何?近期,麦可思钻研院宣布了一份针对中国大年夜门生破费行径的查询造访申报。

大年夜门生每月能花若干钱?

——月均破费1212元,男生爱社交 女生爱美食

这份名为“大年夜门生破费理财不雅”的查询造访,采取收集查询造访的要领完成,调核工具仅为在校大年夜门生,收回2016年在校大年夜门生的有效答卷共1289份。

查询造访显示,在校大年夜门生每月匀称开销为1212元(不含膏火、家庭与黉舍间来回交通费)。家庭是门生养活费的最主要滥觞,94%的门生养活费由父母或亲戚供给,其次为打工兼职。

大年夜门生的养活费都花在了什么地方?这份查询造访显示,被查询造访男生选择的主要破费依次是社交和娱乐、除基础膳食费外的其他食物和形象破费方面,被查询造访男生选择的主要破费依次是除基础膳食费外的其他食物、形象破费和社交与娱乐方面破费。

男生将钱用在通讯/上网费(31%)和数码电子产品方面(16%)的比例分手比女生高7个和11个百分点,用于形象破费方面比例(38%)则比女生低24个百分点。

大年夜门生买器械主要看啥?

——购物主要看价格和质量

详细阐发发明,门生购物最主要斟酌的身分是“价格”,列第二和第三位的是“质量”和“小我喜爱”。

申报阐发,作为尚未正式踏入社会的大年夜门生阶层,养活费滥觞有限,门生在购物时对价格和质量的注重跨越商品的品牌、档次和广告鼓吹,阐明大年夜多半门生能够理性破费。

手里握着养活费,大年夜门生是否会理财让“钱生钱”呢?查询造访显示,57%的门生经由过程不合形式进行过理财。被查询造访大年夜门生中,42%选择了余额宝、招财宝、理财通等产品,24%的门生选择传统的银行按期存款的形式,购买股票和投资P2P网贷的门生仅占3%和2%。大年夜多半门生选择的是低风险、稳健性的理财要领。

大年夜门生的养活费够花吗?

——超三成被查询造访者叹入不足

查询造访结果显示,在被查询造访门生中,41%的大年夜门生养活费能够满意日常需求,并有结余。超三成大年夜门生曾入不足出。查询造访显示,24%的门生有时养活费不敷用,8%常常不敷用。

申报阐发,门生养活费不敷花,一方面可能是因为个体家庭经济环境等身分导致养活费不够,另一方面也可能是因为门生对养活费应用短缺筹划。

查询造访显示,四成大年夜门生不会对养活费的应用进行计划和安排。当养活费无法满意开销时,43%的大年夜门生选择放弃破费,而其他人会选择“向父母告急”(40%)、“先破费后付款”(20%)、“向同伙乞贷”(15%)等形式满意破费需求。

这份查询造访还显示,39%的被查询造访门生反应身边有人应用过校园贷类借钱。申报建议高校能够更多地关心门生生活,向导有经济艰苦的门生寻求赞助并给予帮扶,加强风险警备教导,同时向导大年夜门生合理破费、筹划破费。

(原题为:《查询造访:大年夜门生月均养活费1212元 超三成叹不敷花》)

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