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)
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
6. I understand basic financial concepts such as saving, budgeting, and interest. 7. I am confident in managing my personal finances. 8. I know how to plan my spending according to my available income or allowance. 9. I understand the importance of saving for future needs. 10. I believe financial knowledge helps me make better financial decisions. 11. I regularly set a budget for my monthly spending. 12. I usually keep track of my daily or weekly expenses. 13. I compare prices before making a purchase. 14. I try to avoid unnecessary spending. 15. I review my financial situation before making important spending decisions. 16. I save part of my allowance or income on a regular basis. 17. I try to keep money for emergencies or future needs. 18. I find it easy to control my spending in order to save money. 19. I usually achieve the saving goals I set for myself. 20. I believe I have healthy saving habits. 21. Mobile payment makes it easier for me to spend money quickly. 22. When I use digital payment, I am less aware of how much I am spending. 23. Online shopping and digital payment tools increase my spending frequency. 24. The convenience of digital payment makes saving more difficult for me. 25. I spend more when using Alipay, WeChat Pay, or similar tools than when using cash. 26. Colleges should provide more financial literacy education for students. 27. Training in budgeting and expense tracking would help students save more effectively. 28. Students should be taught how digital payment tools affect spending behavior. 29. Families should play a stronger role in helping students develop saving habits. 30. I would like to receive more guidance on personal financial management. 31. Financial literacy plays a major role in students’ saving behavior. 32. Good financial habits are as important as financial knowledge in shaping saving behavior. 33. In today’s digital environment, it is harder for college students to maintain disciplined saving behavior. 34. Improving financial literacy can help college students make more responsible financial decisions.