從金融風暴談理財通識課程的強化

Talking Enhancing the Financial Management of General Education Curriculum from the Financial Meltdown

林寶源(Pao-Yuan Lin) ； 張金樹(Jin-Shu Chang) ； 張寶貴(Pao-Kuei Chang)

《遠東通識學報》 4卷2期 (2010/07) Pp. 133-152

https://doi.org/10.6795/JFEUGE.201007.0133

摘要

由於國人消費風氣改變，以及2005年起發生卡債風暴，業已喚起國人對金融教育的重視，政府與非政府單位及部份金融機構亦紛紛開辦年輕一代的金融訓練課程，以培養年輕一代正確、健康的金融觀念。本文內容主要是針對次級房貸所引發的金融風暴，分析其原因並檢討如何避免重蹈覆轍；其次是，探討近年來部分政府或非政府單位，推動金融教育的現況與努力；最後以遠東科大四技三年級學生為例，進行問卷調查，研究其對基本金融知識與觀念的認知及接受金融教育的學習意願，結果顯示….。

關鍵字

次級房貸 ； 金融教育 ； 通識理財課程

並列摘要

Because the people consume a custom change and the occurrence of card debt from 2005, arouse the people to start valuing the financial training courses. Government and non-government and some banking institutes offer financial training courses for young generation to develop their exact and healthy financial ideas. This study mainly aimed at subprime mortgage caused financial meltdown, and analyze its reasons to examine how to avoid repeating the same mistake. Also, explore recently governments or non-government promote status and effort of the financial educational. Finally the study investigated basic knowledge and financial learning desire of junior and senior students of Far East University.The results of the study showed that 96% student reported before graduation they need to know basic economic financial knowledge and finance mangaing investment to advance the quality of life as well as make their dreams come true. In addition, 68.9% student reported that they agreed with ”conjecture order” or ”actual trading” in general education courses to enhance their learning effect. There was 80.6% student who approve establishing related finance managing clubs in our school and increasing the opportunity of learning progress. It is worth positive, valuable and encouraged for this aggressive learning desire.

並列關鍵字

subprime mortgage ； card debt storm ； financial education ； financial managment course for general education