As a special group of college students, financial quotient is an aspect of their value. The financial quotient level of college students has gradually become a key indicator to measure the comprehensive quality and ability of students, and it has also become a reasonable measure of the financial quotient education model of major universities. One of the standards is also an important part of the overall financial and commercial level of the Chinese. Aiming at a specific group of college

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... , according to the principles of index system construction, based on life cycle theory and efficient market hypothesis, this paper summarizes the existing literature research on finance and business, builds a more comprehensive and systematic index system for college students' financial and commercial evaluation. Employing this index system, the paper measures the financial and commercial level of some college students in Yantai City, Shandong Province, and invites relevant experts to evaluate the measurement results to determine the rationality and feasibility of the university's financial and commercial evaluation index system.