客家女性金錢態度之研究－以桃園縣為例

黃麗陵(Lin-Ling Huang)

指導教授 ： 陳定銘

國立中央大學/客家學院/客家研究碩士在職專班/碩士(2011年)

摘要

本研究旨在探討客家女性金錢態度為何？試著探討客家女性在族群文化脈絡與個人背景是否造成金錢態度之差異。資料採集共桃園縣231位客家女性樣本進行分析，以及針對十位客家女性個案訪談結果做探討。研究發現（1）不同世代的客家女性對金錢態度呈現明顯的差異。（2）年齡、教育程度、職業不同的客家女性會影響其金錢態度。（3）不同生活經驗造就個人對金錢上不同的態度。過去客家女性長期生活在保守的、封閉的、務農的社會，以及承襲勤儉樸實的族群風氣，更顯現客家女性在族群文化涵養中所建立的金錢態度。研究建議（1）建立正確金錢態度：在金錢態度中，客家女性是否揚棄原有節儉的刻板印象，從原有的傳統的金錢態度，如節儉，勤勞，保守，樸實隱藏中釋放呢？期許在族群傳統的金錢態度基礎，營造、傳承開闊且符合時代轉變的金錢態度，並建立正確良善的金錢態度。（2）強化實施理財教育：個人除了對內要瞭解族群文化傳承的價值外，也要牢記隱藏於先哲心智的理財智慧，對外則更要積極汲取正向的理財知識，以養成正確的金錢認知觀念及生活習慣。（3）加強培養品格教育：追求美好生活，講求物質消費的同時，人們應加強優良的品格的培養，以避免落入為利是圖，道德淪喪的金錢態度中。

關鍵字

客家女性 ； 金錢態度 ； 勤儉堅毅 ； 族群

並列摘要

The purpose of the study is to discuss the attitudes f Hakka females in using money. Make attempt at discussing if individual backgrounds will lead to distinct attitudes in money.Analyzed data were gathered from 231 females in Tauyuan County. Ten females were interviewed. The results of interview were discussed. The following are findings:（1）Different generations of females have different attitudes toward money.（2）Hakka females with different ages, education backgrounds, and occupations affect the attitudes toward money.（3）Different life experiences cause distinct attitudes toward money. In the past, Hakka females reside in a conservative, sealed, as well as agricultural society for a long time; in addition, they inherited diligent, thrifty, and simple ethnic convention, which manifested that ethnic culture developed the attitudes toward money for Hakka females. The suggestions are as follows:（1）Developing right attitudes toward money: As to attitudes toward money, we wonder if Hakka females abandon the original stereotype of frugality and release from traditional money attitudes, such as frugality, diligence, conversation, and simplicity. Look forward to developing right money attitudes and conform the changing generation.（1）Enforcing financial education: Individuals should understand the value of traditional ethnic culture and keep financial wisdom of the sages of old in mind. Absorb positive financial knowledge to develop right money cognition and life habitation.（2）Developing moral education: Chasing good life and consumption, individuals should develop good characters to avoid the money attitudes, which covet more interests and perish moral. financial knowledge to develop right money cognition and life habitation.（3）Developing moral education: Chasing good life and consumption, individuals should develop good characters to avoid the money attitudes, which covet more interests and perish moral

並列關鍵字

Hakka females ； money attitudes ； ethnic people.

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