随着经济社会的发展和金融决策行为与生活的联系日趋紧密，财经素养已成为人们在日常生活中至关重要的一项基本素养。 良好的公众财经素养是保证社会经济、金融稳定持续发展的重要因素之一。 本研究主要针对大学生群体的财经素养水平及其相关心理特征、 人口分布、教育干预等因素进行数据收集和整理，采用线性回归的方式， 对大学生群体财经素养水平与心理特征因素进行相关性分析，并以城乡差异、收入差异对大学生样本分层，比较分层样本中财经教育干预对财经素养水平反馈作用的拟合度大小。研究发现， 数字信息偏好程度和消费尺度与大学生群体的财经素养水平显著相关。 年均家庭收入较高和非农业户口的大学生群体财经素养水 平受财经教育干预的影响更为显著。

With the development of economy and society, financial decisionmaking behavior is becoming more and more closely related to people's daily life. Financial literacy has become one of the basic cultivated manners and indispensable factors to ensure the sustainable development of social economy and financial stability. This paper aims to build a correlation analysis on the impact of the psychological traits and educational interference over financial literacy. The sample is classified by urban/rural index and income index respectively, and, among those different categories, the effects of financial interference on financial literacy levels are compared. The study found that the preference for numerical information and consumption scale is significantly associated with financial literacy.