Exploring the Effects of Financial Literacy on the Saving Behavior of College Students in Wenzhou

Preamble:

This research investigates how financial literacy influences the saving behavior of college students in Wenzhou. Your responses will help the researcher understand how financial knowledge, financial management habits, and digital payment environments shape students’ spending and saving patterns. All information provided will remain anonymous and will be used solely for academic purposes. Participation is voluntary.

Instructions:Please indicate your level of agreement by selecting 1–5 (1 = Strongly Disagree; 2 = Disagree; 3 = Neutral; 4 = Agree; 5 = Strongly Agree)
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1.
1. Gender:
Male
Female
Prefer not to say
*
2.
2. Academic Year:
Year 1
Year 2
Year 3
Year 4+
*
3.
3. Major:
Economics/Accounting/Finance
Industrial Designer
Communication/English
Computer Science/Mathematics
other：
*
4.
4. Average Monthly Allowance / Living Expenses:
Less than 1,500 RMB
1,500–2,999 RMB
3,000–4,499 RMB
4,500 RMB or above
*
5.
5. How often do you use mobile payment platforms such as Alipay or WeChat Pay?
Never
Rarely
Sometimes
Often
Very often
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6.
I understand basic financial concepts such as saving, budgeting, and interest.
很不同意
很同意
*
7.
I am confident in managing my personal finances.
很不同意
很同意
*
8.
I know how to plan my spending according to my available income or allowance.
很不同意
很同意
*
9.
I understand the importance of saving for future needs.
很不同意
很同意
*
10.
I believe financial knowledge helps me make better financial decisions.
很不同意
很同意
*
11.
I regularly set a budget for my monthly spending.
很不同意
很同意
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12.
I usually keep track of my daily or weekly expenses.
很不同意
很同意
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13.
I compare prices before making a purchase.
很不同意
很同意
*
14.
I try to avoid unnecessary spending.
很不同意
很同意
*
15.
I review my financial situation before making important spending decisions.
很不同意
很同意
*
16.
I save part of my allowance or income on a regular basis.
很不同意
很同意
*
17.
I try to keep money for emergencies or future needs.
很不同意
很同意
*
18.
I find it easy to control my spending in order to save money.
很不同意
很同意
*
19.
I usually achieve the saving goals I set for myself.
很不同意
很同意
*
20.
I believe I have healthy saving habits.
很不同意
很同意
*
21.
Mobile payment makes it easier for me to spend money quickly.
很不同意
很同意
*
22.
When I use digital payment, I am less aware of how much I am spending.
很不同意
很同意
*
23.
Online shopping and digital payment tools increase my spending frequency.
很不同意
很同意
*
24.
The convenience of digital payment makes saving more difficult for me.
很不同意
很同意
*
25.
I spend more when using Alipay, WeChat Pay, or similar tools than when using cash.
很不同意
很同意
*
26.
Colleges should provide more financial literacy education for students.
很不同意
很同意
*
27.
Training in budgeting and expense tracking would help students save more effectively.
很不同意
很同意
*
28.
Students should be taught how digital payment tools affect spending behavior.
很不同意
很同意
*
29.
Families should play a stronger role in helping students develop saving habits.
很不同意
很同意
*
30.
I would like to receive more guidance on personal financial management.
很不同意
很同意
*
31.
Financial literacy plays a major role in students’ saving behavior.
很不同意
很同意
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32.
Good financial habits are as important as financial knowledge in shaping saving behavior.
很不同意
很同意
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33.
In today’s digital environment, it is harder for college students to maintain disciplined saving behavior.
很不同意
很同意
*
34.
Improving financial literacy can help college students make more responsible financial decisions.
很不同意
很同意
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