Good financial situation makes it possible that individuals could enjoy their daily life and achieve meaningful goals. Thus, the national economic development is valued. However, the rapid growth of economic and the realized abundant society don’t make people happier and healthier as we hope. This research focuses on the question that how the economical status influences university students’ mental health. As an increasing youth group, university students and their life quality and health have caught much attention. Unfortunately, the impact of economic stress on them is somehow ignored. Using questionnaire survey, this study collected data from three different universities in Beijing. The mediating effects of mood states and proactive coping on the relationship between financial hardship and mental health were explored. Also, the buffering effect of social support in the process of keeping health is discussed. The major findings of this study are as follows. Firstly, financial threat showed negative effect on financial well-being. In the meantime, it increased negative mood, and through this way it harmed individual’s general health. Besides, financial threat induced depression and anxiety, in which process negative mood played it role as a partial mediator. Secondly, social support increased positive mood and decreased negative mood, and then strengthened the general health and lowered depression and anxiety. In other words, mood states partially mediated the relationship between social support and mental health. Thirdly, social support and self-efficacy positively influenced proactive coping, which helped reduce depression and anxiety and improve general health. Proactive coping partially mediated the relationship between social support and depression and anxiety, and the relationship between self-efficacy and depression and anxiety respectively. Also, it mediated the relationship between social support and general health and the relationship between self-efficacy and general health.
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