In the choice of fund investment channels, the choice of master students is more evenly distributed, while the investment channels of undergraduates are relatively single, mainly concentrated in banks (68.5%) and third-party financial platforms (57.7%). It is worth mentioning that the penetration rate of third-party financial platforms among college students with different academic qualifications has always maintained a high level, while the penetration rate of bank APP has decreased with the improvement of academic qualifications. At the same time, the survey shows that the expert opinions of financial institutions, media information and acquaintances are the three groups that are most likely to influence college students' investment decisions.
According to the survey, Morgan Fund, a Shanghai investment company, pointed out that college students have some characteristics in investment and financial management, such as junior qualifications, imperfect access to information and low risk tolerance. In this context, in order to do a good job in college students' investment education, public offering institutions need a more open platform, more diversified content and more scene-based services, in addition to prescribing the right medicine and popularizing scientific investment concepts and methods. At the same time, while gradually raising college students' awareness of financial management, public offering institutions should also help them form a healthy concept of financial management, and gradually cultivate the awareness of coexistence of benefits and risks, so as to realize long-term steady appreciation of wealth.