人工智能在女大学生消费理财中的应用现状与对策研究

Research on the Application Status and Countermeasures of Artificial Intelligence in Female College Students’ Consumption and Financial Management

摘要: 在数字经济与人工智能深度融合的背景下，随着AI技术在金融领域的快速发展，AI理财工具正逐渐改变人们的消费与理财行为。女大学生作为“她经济”的主力军，具有很大的消费潜力，但同时她们对专业理财知识和理财素养的缺乏，导致她们在消费理财规划和风险辨别等方面缺乏理性和专业的判断，更容易受到主观偏好、网络等因素的影响，因此女大学生对AI理财工具的应用现状值得深入探究。研究采用了问卷调查与对比实验相结合的研究方法，系统研究了AI理财工具在女大学生群体中的应用现状与影响机制，为AI理财工具的性别友好设计、女大学生财商教育体系完善提供了理论依据与实践参考。

Abstract: Against the backdrop of deep integration between the digital economy and artificial intelligence (AI), and with the rapid advancement of AI technology in the financial sector, AI-powered financial management tools are gradually reshaping people’s consumption and financial behaviors. Female college students, as the main drivers of the “she economy”, possess significant consumption potential. However, their lack of professional financial knowledge and literacy often leads to irrational and unprofessional judgments in consumption planning and risk identification, making them more susceptible to subjective preferences, online influences, and other factors. Therefore, the current application of AI financial management tools among female college students warrants in-depth investigation. This study adopts a mixed-method approach combining questionnaire surveys and comparative experiments to systematically examine the application status and influence mechanisms of AI financial management tools within this demographic. The findings provide a theoretical basis and practical reference for the gender-friendly design of AI financial tools and for improving financial literacy education for female college students.