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Ⅰ.Introduction
A Purpose
The purpose of this report is to investigate the income and expenditure of undergraduates’ cost of living in Chongqing University of Science and Technology. Grasp the psychological features of college students’ consumption and behavioral targeting.
B Background
With the depth of the economic and social development， consumer market is now gradually divided into different market segments based on occupation or age. College students are a special group of the society. On the one hand， most of them are far away from their hometown and live alone. On the other hand， there is no independent source of income， and their tuition usual is provided by their family because of youth， although part of them can enjoy scholarships and students loans. However， just because they are so young， they all are vigor， ambitious and eager to do what they want to do， but limited income almost becomes the biggest problem in their lives.
C Investigation methods
The information in this report was gathered by questionnaire.
D Scope
This report investigates undergraduates from Chongqing University of Science and Technology.
Ⅱ.Findings
A The basic information of informant
90 students from university were investigated， including 48 girls and 42 boys.
According to investigation result， the most of our informants is junior， it accounts for about 43% and the percentage of freshman is 21%， sophomore is 23%， senior is 13%. Then about 43% students are from countryside and 57% students are from city.
B The income level and main source of it
According to the survey， those families earning less than 2500 yuan per month number 12 or 13% of the total. About 30 percent of the informants have monthly incomes ranging from 2500 yuan to 5000 yuan. Those who earn more than 5000 but less than 7500 Yuan per month account for 33%. And those monthly household income between 7500 and 10000 yuan number 16% of the total， about 8% of families earn more than 10000 yuan per month.
Research has revealed that nowadays more than 90% of college students' incomes come from parents. The cost of living income is relatively fixed. Make the students form a kind of psychological dependence. Few students have the other sources， such as scholarship， grants， and part？鄄time job to help they satisfy with their living expenses. We can clearly see that the majority of students' consumption is bond to the parents' giving. C The overall trajectory of spending
The survey shows that 7 students' expenses is under 500 yuan and 19 students' expenses is between 500 and 800 yuan a month. 34 students spend between 800 and 1200 yuan a month， 8 students spend between 1500 and 2000 yuan monthly and only 2 students spend more than 2000 yuan a month.
67 students （about 74%） would like to spend their living expenses on entertainment， such as Karaoke， travel. 14 students would like to spend on digital products， such as mobile phone， camera. 18 students would like to spend on interpersonal communication， such as treat， gift giving. 26 students would like to spend on study， such as book， stationery. 50 students would like to spend on personal appearance， such as hairdressing， cosmetic. 73 students would like to spend on daily items， such as tissue， toothbrush. 22 students will spend on transport. 25 students would like to spend on communication， such as telephone charge， Internet fee. 59 students would like to spend on food. From the statistic， we could see that college students spend most on daily items （81%） and entertainment （74%）.
D The consumption concept of informant
From the survey， only 13 students （14%） will plan ahead， 26 students （29%） will live as frugally as possible at school， and 51 students usually disburse their money as they like without having a plan.
29 students will spend money in order to meet their desires， 15 students in order to follow what is popular， and 31 students spend money for the appearance of production， 53 students for the price of commodities， 44 students for the quality of commodity， and 61 students for the demand for commodities. We can learn that most of college students pay attention to the demand for commodities （67%） when spending money.
About the problem of the propensity to consume， those who are usually economical and practical based number 42， it accounts for about 47%. 30 students usually balance affordable with upscale， it makes up 13 percent of the total， and 18 students （20%） usually pursue as upscale as possible.
E The ability to manage finance
According to the statistic， 8 students （9%） think that they have enough living expenses to control， 22 students （24%） think the living expenses is just making ends meet， and 46 students （51%） think their living expenses is just enough， 14 （16%） students think the living expenses is more than enough for them， that is they have extra money do what they want to every month， but only a small part of informants choose this option， most of their living expenses is just enough. When it comes to question about how to deal with the extra money， survey shows that 19 students would like to spend money as an investment， 19 students would like to use their money to do some pioneering work， 38 students would like to spend money to go on sightseeing， and most of students （71 and about 78% people） would like to put money in the bank.
F Factors that influence Consumer behavior
According to investigation result， 82 students （more than 90%） think the factor that influence their consumer behavior is family factors， 49 students think it is social factor， 17 students think it is personal element， and 31 students think it is campus environment.
Ⅲ.Conclusion
College students' consumption not only affects the family， but also affects the entire consumer market and the national economy. At present， as the result of the development of higher education and the development of socialist market economy， students' consumer market has been formed and growing， and it has became an important part of China's socialist market economy， and will play a greater role with the development of society and the popularization of higher education.
After surveyed a random sampling of ninety college students of different grades from different regions. According to the results of the survey， we can see the students are mostly from median family. A college student in addition to pay the training costs per year， the monthly expenditure is not a small figure. The pressure on the median household parents is relatively large.
Based on the investigation of college students' daily life fee payments， there is a tendency for college students spend their money random even extravagant， we have a general understanding of the balance of payments situation， and it plays a certain guiding function on our reasonable control. Whether in the healthy development of the economy or in the financial crisis of the global economic environment， the institute of financial management is necessary.
A Purpose
The purpose of this report is to investigate the income and expenditure of undergraduates’ cost of living in Chongqing University of Science and Technology. Grasp the psychological features of college students’ consumption and behavioral targeting.
B Background
With the depth of the economic and social development， consumer market is now gradually divided into different market segments based on occupation or age. College students are a special group of the society. On the one hand， most of them are far away from their hometown and live alone. On the other hand， there is no independent source of income， and their tuition usual is provided by their family because of youth， although part of them can enjoy scholarships and students loans. However， just because they are so young， they all are vigor， ambitious and eager to do what they want to do， but limited income almost becomes the biggest problem in their lives.
C Investigation methods
The information in this report was gathered by questionnaire.
D Scope
This report investigates undergraduates from Chongqing University of Science and Technology.
Ⅱ.Findings
A The basic information of informant
90 students from university were investigated， including 48 girls and 42 boys.
According to investigation result， the most of our informants is junior， it accounts for about 43% and the percentage of freshman is 21%， sophomore is 23%， senior is 13%. Then about 43% students are from countryside and 57% students are from city.
B The income level and main source of it
According to the survey， those families earning less than 2500 yuan per month number 12 or 13% of the total. About 30 percent of the informants have monthly incomes ranging from 2500 yuan to 5000 yuan. Those who earn more than 5000 but less than 7500 Yuan per month account for 33%. And those monthly household income between 7500 and 10000 yuan number 16% of the total， about 8% of families earn more than 10000 yuan per month.
Research has revealed that nowadays more than 90% of college students' incomes come from parents. The cost of living income is relatively fixed. Make the students form a kind of psychological dependence. Few students have the other sources， such as scholarship， grants， and part？鄄time job to help they satisfy with their living expenses. We can clearly see that the majority of students' consumption is bond to the parents' giving. C The overall trajectory of spending
The survey shows that 7 students' expenses is under 500 yuan and 19 students' expenses is between 500 and 800 yuan a month. 34 students spend between 800 and 1200 yuan a month， 8 students spend between 1500 and 2000 yuan monthly and only 2 students spend more than 2000 yuan a month.
67 students （about 74%） would like to spend their living expenses on entertainment， such as Karaoke， travel. 14 students would like to spend on digital products， such as mobile phone， camera. 18 students would like to spend on interpersonal communication， such as treat， gift giving. 26 students would like to spend on study， such as book， stationery. 50 students would like to spend on personal appearance， such as hairdressing， cosmetic. 73 students would like to spend on daily items， such as tissue， toothbrush. 22 students will spend on transport. 25 students would like to spend on communication， such as telephone charge， Internet fee. 59 students would like to spend on food. From the statistic， we could see that college students spend most on daily items （81%） and entertainment （74%）.
D The consumption concept of informant
From the survey， only 13 students （14%） will plan ahead， 26 students （29%） will live as frugally as possible at school， and 51 students usually disburse their money as they like without having a plan.
29 students will spend money in order to meet their desires， 15 students in order to follow what is popular， and 31 students spend money for the appearance of production， 53 students for the price of commodities， 44 students for the quality of commodity， and 61 students for the demand for commodities. We can learn that most of college students pay attention to the demand for commodities （67%） when spending money.
About the problem of the propensity to consume， those who are usually economical and practical based number 42， it accounts for about 47%. 30 students usually balance affordable with upscale， it makes up 13 percent of the total， and 18 students （20%） usually pursue as upscale as possible.
E The ability to manage finance
According to the statistic， 8 students （9%） think that they have enough living expenses to control， 22 students （24%） think the living expenses is just making ends meet， and 46 students （51%） think their living expenses is just enough， 14 （16%） students think the living expenses is more than enough for them， that is they have extra money do what they want to every month， but only a small part of informants choose this option， most of their living expenses is just enough. When it comes to question about how to deal with the extra money， survey shows that 19 students would like to spend money as an investment， 19 students would like to use their money to do some pioneering work， 38 students would like to spend money to go on sightseeing， and most of students （71 and about 78% people） would like to put money in the bank.
F Factors that influence Consumer behavior
According to investigation result， 82 students （more than 90%） think the factor that influence their consumer behavior is family factors， 49 students think it is social factor， 17 students think it is personal element， and 31 students think it is campus environment.
Ⅲ.Conclusion
College students' consumption not only affects the family， but also affects the entire consumer market and the national economy. At present， as the result of the development of higher education and the development of socialist market economy， students' consumer market has been formed and growing， and it has became an important part of China's socialist market economy， and will play a greater role with the development of society and the popularization of higher education.
After surveyed a random sampling of ninety college students of different grades from different regions. According to the results of the survey， we can see the students are mostly from median family. A college student in addition to pay the training costs per year， the monthly expenditure is not a small figure. The pressure on the median household parents is relatively large.
Based on the investigation of college students' daily life fee payments， there is a tendency for college students spend their money random even extravagant， we have a general understanding of the balance of payments situation， and it plays a certain guiding function on our reasonable control. Whether in the healthy development of the economy or in the financial crisis of the global economic environment， the institute of financial management is necessary.