Financial Management Of College Students In The Internet Financial Environment In Chongqing

The whole world are constantly evolving, it is impressed by the every change and reverse brought by the Internet. For banking business, aobserver and prophet of network culture, Kevin Kelly predicted that the bank will disappear. The prophecy caused wide spread controversy. However, Whatever the future holds, it is certainly that if the banking business, will not change, it is certainly subverted the Internet age. Ma did not wait for the change of banking business, he find a way to subvert the bank. He created the "Balance treasure" which contributed to a frenzy of Internet financial services. The emergence of the Internet financial products provide a new type of investment banking channels for "long tail" groups. As the active Internet user groups, College students don’t make much money, but they are the active groups which dare to test the waters of Internet financial products in "long tail" groups. This thesis takes Chongqing college students as the research object, the relationship between the distribution of various financial products and the characteristic variables in the Internet banking environment will be discussed.This thesis includes the following parts: The first part is an introduction, in which the author recommends the financial status of College Students and then introduces major issues to be discussed in this thesis. Then the research significance, research methods, technical route, research framework and innovation are briefly introduced. The second part is the research summarizing. In this chapter, the development of the Internet financial in domestic and overseas, the effect of Internet financial on traditional financial management and financial management mode will be summarized. The third part is the definition classification and research hypotheses. This chapter defines the concepts of Internet banking, and based on the literature research, the variables assumptions of the current financial situation of college students in Chongqing will be formed. The fourth parts focus on the description of the survey and related statistical analysis. The statistical analysis of the proportion of financial products of college students and characteristics variables are described. The fifth part is the empirical results and analysis. The financial products are classified and summarized, and the statistical analysis and correlation analysis are analyzed. The previous proposed hypothesis is verified and some unclear conclusions are assumed. The sixth part is the conclusion and policy recommendations. According to analysis of the empirical results, the conclusions and the corresponding comments and suggestions are proposed. Finally, the short comings and prospects for the future research are in dated.