普惠金融降低了金融门槛，大学生落入陷阱的案件屡见不鲜。从金融产品消费习惯、金融投融资价值观、金融法律法规认知三个维度，运用案例和A市6所高校问卷调研数据分析发现：A市高校学生参与金融金融产品消费的积极性不断提升，但学生们金融投融资价值观存在投机偏差，在金融法规认知上甚至会认为法规有没有无所谓。这说明相关高校开展金融风险防范活动形式和内容有待升提高，尤其是针对性的社会、高校、行业对金融理财和金融消费教育课程、金融风险识别能力培育等亟待加强。

Inclusive finance has lowered the financial threshold, and it is not uncommon for college students to fall into traps. From the three dimensions of financial product consumption habits, financial investment and financing values, and understanding of financial laws and regulations, using case studies and survey data from six universities in A city, it is found that the enthusiasm of university students in A city to participate in the consumption of financial products continues to increase. However, students have speculative biases in their financial investment and financing values, and they may even consider the existence of regulations to be irrelevant in their understanding of financial regulations. This indicates that the form and content of financial risk prevention activities carried out by relevant universities need to be improved, especially targeted social, university, and industry education courses on financial management and consumption, as well as the cultivation of financial risk identification capabilities, which urgently need to be strengthened.