理財教育、理財素養、理財行為對學習成效影響之研究—以現金流桌遊為例

本研究在探究「現金流桌遊」作為理財教學上之效益。透過問卷調查法量化及質性深度訪談業界專業人士使用經驗及事實陳述。有效問卷401份，問卷發放回收期間為2018年12月12日至2018年12月27日。實證結果如下：「理財教育」對「理財素養」、「理財行為」及「學習成效」均有顯著正向影響；「理財素養」對「理財行為」、「學習成效」均有顯著正向影響，「理財行為」對「學習成效」有顯著正向影響；「理財教育」透過「理財素養」對「學習成效」具部分中介效果，其中介效果強度為43.58%。「理財教育」透過「理財行為」對「學習成效」具部分中介效果，其中介效果強度僅為5.01%。理財素養與理財行為對「理財教育與學習成效」間之關係具完全中介效果（遠程中介）。訪談中專家一致同意，透過現金流桌遊學習並累積足夠的理財知識和經驗後，每月現金流量和資產收入都有明顯增加。

關鍵字

理財教育；理財素養；理財行為；學習成效

並列摘要

This study explores the effectiveness of "Cash Flow Board Game" as a financial education. Quantitative and qualitative in-depth interviews with professionals in the industry through questionnaire surveys and factual statements. There were 401 valid questionnaires, and the questionnaire distribution and recovery period was from December 12, 2018 to December 27, 2018. The empirical results are as follows: "Financial management education" has a significant positive impact on "financial literacy", "financial management behavior" and "learning effect"; "financial literacy" has a significant positive impact on "financial management behavior" and "learning effect" , "Financial management behavior" has a significant positive impact on "learning outcomes"; "financial management education" has a partial mediation effect on "learning outcomes" through "financial literacy", and the mediation effect strength is 43.58%. "Financial education" has a partial mediating effect on "learning effect" through "financial management behavior", and the mediating effect strength is only 5.01%. Financial literacy and financial behavior have a complete mediating effect on the relationship between financial education and learning outcomes (distance mediation). The experts in the interview agreed that after learning and accumulating sufficient financial knowledge and experience through the cash flow board game, the monthly cash flow and asset income have increased significantly.