ARTICLE
31 August 2026

Thoughts on Cultivating Contemporary College Students’ Financial Management Concepts

Chang-Lan Zhou1
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1 School of Fashion Management, Beijing Institute of Fashion Technology, Beijing 100029, China
JCER 2026 , 10(8), 69–75; https://doi.org/10.26689/JCER.v10i8.15176
© 2026 by the Author(s). Licensee Whioce Publishing, Singapore. This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution 4.0 International License ( https://creativecommons.org/licenses/by/4.0/ )
Abstract

Starting from the goal of cultivating socialist successors with correct views on money and values, this article explores the necessity of cultivating contemporary college students’ correct views on financial management, analyzes the current situation of teaching courses related to “Personal Finance” in universities, and puts forward the difficulties of transforming theoretical knowledge and methods into abilities, as well as the problem of not paying attention to cultivating risk awareness in the era of intelligence. Students’ attitudes towards financial management are prone to misunderstandings, their understanding of dialectical relationships in financial management is inadequate, and some students are not aware of the unity between financial management and values. Based on summarizing some good practices in practice, corresponding countermeasures and suggestions are proposed, in order to provide certain references for the teaching of related courses, the cultivation of college students’ financial concepts and methods, etc.

Keywords
Contemporary college students
Financial management
Financial concepts
References

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