作　　者： ;

机构地区： 吉林大学南方研究院

出　　处： 《珠江论丛》 2017年第2期49-60,共12页

摘　　要： 高校大学生普遍存在高支出、低收入的情况,理财意识及理财能力大多较弱,从创新理念出发,设计一种适合大学生的理财模式是十分必要的。我们的创新思路是：设立高校专项学生理财基金,邀请金融专家为指导顾问,择优培养有资质的在校学生成为公司员工,并规定其服务对象仅限本校师生。公司将通过创立不同的金融产品给予想要理财的学生以选择性购买的机会。在实现资本集中化的同时,依靠专业化的管理来控制风险,锁定利润。利用金融工具及其衍生品进行创新,探索出符合大学生理财需求的模式。该模式将充分采用风控策略,并严格遵循国家有关法律法规。 Nowadays Chinese college students ＇ condition of high expenditure and low income is very general. Their consciousness and the ability of financial management are weak. From the innovation concept,designing a suitable financial management mode of university students is very necessary. Our innovative idea is： to establish a special college students＇ financial fund,invite financial experts as guidance counselor,prefer to cultivate qualified students to become company employees,and its service objects are the school teachers and students only. The company will give finance students the opportunities of selecting through the creation of different financial products. In the realization of capital centralization and at the same time,relying on professional management to control risk,lock in profits. The use of financial instruments and its derivatives in innovation,explore a new pattern of financial needs of college students. This mode will fully adopt the risk control strategy,and strictly follow the relevant state laws and regulations.

关 键 词： 大学生理财 金融创新 金融衍生品

领　　域： [经济管理—企业管理] [经济管理—国民经济]