近年来互联网金融给大学生提供了余额宝、P2P、众筹等多样化的投资渠道，让大学生合理运用闲置资金进行理财。本文通过分析互联网金融发展下大学生理财观念的转变、现状和存在的问题，为大学生正确理财提出合理化建议。
In recent years, Internet finance has provided college students with diversified investment chan-nels such as E-commerce, P2P, crowd sourcing and so on, so that college students can rationally use idle funds for financial management. Through the analysis of the changes, current situation and existing problems of college students’ financial management concept under the development of Internet finance, this paper puts forward reasonable suggestions for college students’ correct financial management.
