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1、大学生个人理财规划课程论文（设计）题 目：大学生个人理财规划学 生 姓 名：刘晶晶学号：2016010289 专 业 班 级：物管 1602 班文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2
2、HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M
3、8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7
4、ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H
5、4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1
6、文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:C
7、R10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H
8、3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2
9、HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M
10、8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7
11、ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H
12、4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1
13、文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:C
14、R10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B14 大学生个人理财规划学生：刘晶晶（皖西学院经济与管理学院）一、概念认识理财是一种生活的态度，也是一个良好的生活习惯，更是社会发展的趋势。随着经济的深入发展和人民生活水平的不断提高，理财规划概
15、念的普及和深入，理财不再仅仅是有钱的人、上了年纪的人的专利，投资理财已逐步成为影响和决定人们生活的重要方面，各式媒体也以其特有的方式向人们介绍各种理财手段，方法多多，适合自己的才是最好的。无论是什么方法，理财意识的培养和基本观念的认知都是极其重要的。针对实际情况、财务信息和理财需求，大学生也需要合理地安排自己的开销，制订一份符合自身条件的个人理财规划。理财规划是指运用科学的方法和特定的程序为客户制定切合实际、具有可操作性的包括现金规划、消费支出规划、教育规划风险管理与保险规划、税收筹划、投资规划、退休养老规划、财产分配与传承规划等某方面或者综合性的方案，使客户不断提高生活品质，最终达到终生的财
16、务安全、自主和自由的过程。而个人理财计划是指根据自己的财务状况，建立合理的个人财务规划，并适当参与投资活动，比如通过投资基金，来一步一步来实现自己的梦想，这一过程简略来说分为三个步骤。第一步：确定您的理财目标。第二步：明确您的投资期限。第三步：制定适合您的投资方案。大学生的个人理财规划，一般来说，也是以以上三个步骤为基准来实施的，不过，鉴于在校大学生的收入水平有限，相对来说，可支配收入较少，相应的投资活动也较少，风险相对低下，理财规划更多趋向于财产的花销分配。二、基本情况姓名：刘晶晶文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q
17、8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH
18、1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T
19、3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK
20、2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G
21、10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档
22、编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR1
23、0J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B15 性别：女年龄：22 岁进入大三的我们，对大学生活已基本适应。随着对周围环境熟悉程度的增加，我们的消费需求较之大一新生也更为多层次，其中各种证书的学习与考试费用是额外增加的一项重头戏。要使物质消费与精神消费双管齐下，这样就会对原先盲目消费提出挑战。那么如何让日常生活处于一种游刃
24、有余的状态，一份理性的理财规划就显得格外重要。我在校期间的费用是由母亲提供，月均 1000 元，偶尔自己会外出做做兼职，数量不多，平均每月100 元，所以我在校期间的平均可支配财产为1100 元。表 1 个人收支情况一览表三、分析与规划（一）目前财务状况由表 1 可知，我每个月实际生活费用为1100 元，不多也不少，完完全全收入项目金额支出项目金额父母支付1000 基本生活开销零食牛奶水果150 食堂伙食费200 交通+通讯费150 化妆品100 衣饰150 鞋靴150 其它收入100 人情50 其他150 合计1100 合计1100 月度结余0 文档编码:CR10J5H3Q8S2 HH1K8
25、M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7
26、 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6
27、H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B
28、1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:
29、CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5
30、H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2
31、 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B16 足够一个大学生的日常开支，若是比较有节省意识的学生每个月可能会有结余，可是观察表 1 的支出项目明细就可以得知，我基本上是月月光，有时候遇见了喜欢的衣服或者鞋包，多买了一件，其他的支出项目就会变的捉襟见肘。这一
32、现象，明显是理财规划不合理。所以当下，如何合理的分配这笔钱，直接影响到我一个月的生活情况。（二）造成原因1、消费观念有待完善在消费观念上。大学伊始，我刚离开了父母，有了固定的生活费，手中的钱多了起来，开始了自己支配金钱的新生活，却往往感到不知所措。在前半个月花钱大手大脚，后半个月却过上了紧衣缩食的日子，这就是典型的不会理财的表现。乱花钱是消费心理不成熟的表现之一。新进入校园，刚认识新的朋友，新的同学，难免不了大家经常要去聚餐、唱歌、玩耍。随着自我意识的觉醒，性别意识的增强，和朋友一起去玩耍、聚会，变得更加注意形象，自我形象的管理也是一项巨大的投资，从发型到护肤化妆，从鞋帽到衣服饰品，每一个小分
33、项想要做到令自己满意，都是一笔不小的开支。并且，这笔开支一直延续，不曾中断。2、理财知识和实践匮乏在理财知识方面，我们大学生一听到理财，就会跟投资工具如股票、债券、基金联系在一起。虽然学校开设了一些如证券交易、金融市场等金融类课程，在一定程度上解答了学生不少疑问，但对于注重实践操作的理财活动而言，仅靠这些是远远不够的。其实，大学生的家庭理财教育才是真正的理财第一课堂。3、欠缺良好理财规划相当部分的大学生没有良好的储蓄习惯，当月末时学生往往发现自己的消费已经超出其计划。即使每月零用钱略有结余的学生，由于事先没有良好的规划，往往让该节余的资金不知不觉地溜走，更谈不上“化零为整”的储蓄习惯。部分学生
34、利用课余时间浏览炒股、基金投资等网站，不是只有投资股票才是一种理财。我们大学生对自我知识的完善、性格培养等教育投资才是真正的投资。文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8
35、T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 Z
36、K2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4
37、G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文
38、档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR
39、10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3
40、Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B17（三）理财规划1、理财目标目标 1：
41、安排生活费的一部分满足正常的生活、学习需要，自由快乐地享受多姿多彩的大学生活；目标 2：为自己的梦想提前规划，用开支结余为实现梦想而储蓄。2、实施步骤（1）下载一个理财APP，把每月的资金收支，按天全部记录上去。（2）开通余额宝或者开通银行卡，定期定量存取款。首先，随着电子钱包的发展，在大学生人群中，支付宝的使用可以说是非常熟悉了。开通支付宝余额宝功能，把每个月想存的金额存进余额宝，还可以获得相应的利息，也方便应急时取用。如果觉得自己的意志力不够强大，把存款放在余额宝里花的过快，可以办一张不开通网银的银行卡，定期去ATM机或者柜台存取款项。增加了取款需要花费的时间，且取款足够麻烦，给想要冲动消
42、费的我们一个冷却的时间，这样能够一定程度的遏制消费。其次，可以在手机上下载一个理财记账类的APP，因为当今社会，对于大学生来说，手机可以算是使用频率最高的电子产品了。每天晚上打开手机，使用手机的时候，把今天一天的花销明细记在应用软件上，现在的记账软件普遍做的都很完善，消费物品分门别类，月底会自动的进行总结，在哪个类目上花费的金额会十分清晰明了的以饼状图或者你想要的形式呈现出来，让你一眼就知道这个月自己哪部分的花销超过了预算，哪部分的预算需要重新规划等等。或者你觉得应用软件的使用，有暴露隐私的风险，或者其他的疑虑，你乐意选择准备一个私人账簿，把每天的花销全部记录上去。这样一笔一笔的把花销记录下来
43、，可以增强账目使用情况的印象程度，也是一种很好的记录方式。最重要的是，我得制作一个每月消费计划，把自己每个月的生活费分成3份，一份用做伙食费一份用做课余活动经费还有一份可以用做应急经费。这样最基本的保障三点都具备了，你就可以按照自己的计划行事了。文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10
44、J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8
45、S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1
46、K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3
47、J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2
48、A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G1
49、0B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B1文档编
50、码:CR10J5H3Q8S2 HH1K8M8T3J7 ZK2A6H4G10B18 如果本月有余额可以自动流入下个月的生活费，相应的那个月就可以多存一点钱转入下个月，行成一个良性循环。如果计划可以顺利完美的进行下去，我想，等到毕业的时候我会发现自己多了一笔小小的资金，我可以用它作为毕业旅行的经费，或者正式面试时的一身高档职业套装，存款多的同学，甚至可以作为自己创业的资金。对我自身来说，金钱不多，但是益处多多，提高了自己对财富的控制与管理能力。更重要的是在今后的生活中你可以更加有效地拥有、使用和保护财富资源，可以更加自由地安排未来的开支，实现个人经济目标。表 2 个人理财软件明细一览表（3）会计知