近年来,人们的生活水平与消费需求在不断增长,商品市场的不断繁荣与发展,也使得市场竞争日益激烈。外面的商品琳琅满目,然而个人拥有的金钱有限,购买力也变得有限,对个人而言外面的商品接近无限。如何提高自身的理财能力和正确认识自己的消费心理是一门重要的课程。对于消费能力与收入水平能否协调,是大多数高中生都是有待提高的,文章通过对高中生的理财现状与消费心理的分析,以期帮助高中生了解自身消费心理,提高理财能力。 In recent years, people’s living standards and consumer demand have continued to grow. The constant prosperity and development of the commodity market have also made the market increasingly fierce. There is a wide range of goods outside, but personally owned money is limited, purchasing power has become limited, and for individuals, outside goods are approaching infinity. How to improve one’s ability to manage money and correctly understand one’s consumer psychology is an important lesson. For the coordination of spending power and income level, most high school students need to be improved. The article analyzes the financial status and consumer psychology of high school students to help high school students understand their consumer psychology and improve their financial management capabilities.