高职院校学生财商现状及财商培养必要性探析

随着经济的发展和社会的进步，国民手中的财富以及可支配的收入越来越多，而与此不相称的是，我国国民对于财富如何积累、如何投资、如何花费却没有形成较为系统的、科学的认知。高职院校学生年纪较小，从小到大都几乎没有接受过财商教育的培养，因而在进入学校独立生活之后，在理财、消费的过程中会出现种种问题。在这样的背景下，财商培养就显得更为重要。在高职院校开展财商培养，能够帮助学生形成正确的财富观，让学生能够正确对待金钱：教授学生一定的理财知识，提升学生综合素质和理财能力；能够帮助学生树立正确的消费伦理观．指导学生的消费行为。

A Study on the Present Situation of Finanial Quotient and the Necessity of Cultivation in Financial Quotient of Vocational College Students

With the economic advancement and social development, national disposable income as well as their wealth are more and more, which is not commensurate with the fact that poeple do not form a more systematic and scientific cognition of these things, namely, how to accumulate our national wealth, how to invest, and how to spend. Most vocational college students are relatively young, and they have received less financial Quotient education training, and thus when living independently after entering the school, they will encounter problems in finance, in the process of consumption. In this context, financial quotient cultivation becomes more and more important. Training financial quotient in the vocational institutions can help students form a correct concept of wealth and let students correctly deal with money; teaching students some financial knowledge can improve students＇comprehensive qual- ity and financial capacity, help students establish a correct consumer ethics and guide students in con- sumption behavior.