高中生理財素養與理財態度關係之研究

本研究探討高中生個人理財素養與理財態度的關係，以全國高中生作為研究對象，採分層隨機抽樣的方式，選取北區8所、中區3所、南區2所、東區1所，總共14所學校作為抽查樣本，發放700份問卷，實際有效問卷共計614份。研究結果顯示，「城鄉」、「性別」、「年級」、「興趣」、「課程」之變項對部分的理財素養及理財態度構面有顯著影響，高中生理財素養以「財務責任」最優、理財態度以「財務自主」最佳。從典型相關分析結果發現，理財素養六個控制變項透過第一典型因素可說明效標變項變異量22.89%。理財素養與理財態度有典型相關，愈具備「財務責任」與「金融服務」素養的學生，也愈具備衡量自己的財務狀況進行消費、管理金錢，甚至打工賺錢幫助維持生活的「財務自主」理財態度。

關鍵字

理財素養；理財態度

並列摘要

This study explores the relationship between high school students' personal financial literacy and financial management attitudes. It employed high school students across the country as the research object and used stratified random sampling to select 8 schools in the northern area, 3 schools in the central area, 2 schools in the south area, and 1 school in the east area. A total of 14 schools were selected as random inspection samples, and 700 questionnaires were distributed, with a total of 614 valid questionnaires. The research results showed that the variables of "urban and rural areas," "gender," "grade," "interest," and "course" had a significant impact on some aspects of financial literacy and some of financial attitudes. The financial literacy of high school students was best with "financial responsibility." The best financial management attitude was "financial independence." From the results of canonical correlation analysis, it was found that the six control variables of financial literacy could explain 22.89% of the variation of the criterion variable through the first canonical factor. There is a typical correlation between financial literacy and financial attitude. The more students have "financial responsibility" and "financial services" literacy, the more will they develop a "financial independence" financial management attitude of measuring their own financial situation to consume, manage money, and even work to make money for maintaining their lives.

並列關鍵字

financial literacy ； financial attitude

參考文獻

曾永清、林麗純（2018）。高中教師理財態度、理財行為與理財滿意度路徑關係的探討。公民教育與活動領導學報，25，75-102。doi:10.6231/CEL.2017(25)03

溫騰光（2007）。臺北市國民小學教師理財態度、規劃與工具之研究（未出版之碩士論文）。淡江大學，臺北縣。doi: 10.6846/TKU.2007.00477

Andarsari, P. R., & Ningtyas, M. N. (2019). The role of financial literacy on financial behavior. Journal of Accounting and Business Education, 4(1), 24-33. doi:10.26675/jabe.v4i1.8524

Arifin, A. Z. (2018). Influence factors toward financial satisfaction with financial behavior as intervening variable on Jakarta area workforce. European Research Studies Journal, 21(1), 90-103. doi:10.35808/ersj/932

Atkinson, A., & Messy, F.-A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study (OECD Working Papers on Finance, Insurance and Private: Pensions No. 15). doi:10.1787/5k9csfs90fr4-en

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