國中階段學生理財教育與理財知識之研究─以臺北縣市兩國中為例

The Study of Junior High School Students’ Financial Education and Financial Literacy —A Case Study of Two Junior High School Students in Taipei City and Taipei County.

黃春智(Chun-Chih Huang)

指導教授 ： 洪鎌德

國立臺灣大學/社會科學院/國家發展研究所/碩士(2008年)

https://doi.org/10.6342/NTU.2008.10060

摘要

本研究之主要目的在於以國中階段學生作為研究對象，探究國中階段理財教育教材與國中生理財知識現況。並進一步了解影響國中學生理財知識的原因。
本研究首先採用文獻分析法，探究目前國中階段理財教育教材是否適切。接下來，使用問卷調查法，以台北市中正國中及台北縣光復國中兩校國中生為母群體，透過集群抽樣方式，取得有效樣本560份，施以「國中生理財知識調查問卷」，所收集的資料以SPSS 12.0 for Windows 統計軟體進行描述性統計、t檢定、單因子變異數分析進行資料分析。
本研究之主要發現如下：
1.我國現階段理財教育教材，缺乏整體性規劃，且在能力指標轉換時有不一之情形發生。
2.國中學生理財知識表現尚可，但在所得和職業、信用和借貸、風險管理及保險、儲蓄和投資等分測驗表現則為中低理財知識水準。
3.不同學校所在地之國中生在理財知識表現上有顯著差異，台北市國中生理財知識表現較台北縣國中生為佳。
4.不同性別國中生在理財知識表現上有顯著差異，女性國中生表現較男性國中生表現為佳。
5.不同年級國中生在理財知識表現上有顯著差異，九年級學生表現最佳、八年級次之，七年級表現最差。
6.不同家庭社經背景國中生在理財知識表現上有顯著差異，高社經背景家庭學生表現最佳，中社經背景家庭學生表現次之，低社經背景家庭學生表現最差。
最後研究者就本研究之發現，對教育主管單位、學校教育人員以及學生家長，提供一些具體建言，以及對未來研究之建議。

關鍵字

國中生 ； 理財教育 ； 理財教育教材 ； 理財知識

並列摘要

The main purpose of this research lies in exploring the financial education and knowledge of students in junior high school,and investigating the junior high school teaching material and financial literacy situation in order to understand the main causes which influence further the students’ financial literacy.
This research adopts the method of the content and document analysis.Then the researcher uses the method of the questionnaire, and sampling applying to a few of junior high school students of Taipei Municipal Zhongzheng Junior High School and Taipei County Gungfu Junior High School.Thus,through gathering the materials of sampling,which consists of 560 effective samples. The data are statistically analyzed with SPSS 12.0 for Windows by Descriptive Statistics, T-Test, One-Way Analysis of Variance.
The main findings were as follows：
1. Our country’s financial education teaching material currently lacks of a whole programming, and results in different valuations of students’ performance.
2. The average junior high school students’ financial literacy display acceptable standard, but the performance in Income and Careers, Credit and Debt, Risk Management and Insurance, Saving and Investing is lower than expection.
.3. There are conspicuous differences in the variable of different school location regarding financial literacy, the Taipei City junior high school students’ financial literacy are comparable better than the Taipei County junior high school students.
4. There are conspicuous differences in the variable of different genders on financial literacy.The junior high schoolgirls’ financial literacy are comparable better than the junior high schoolboys.
5. There are conspicuous differences in the variable of different grades on financial literacy, the 9th grade students’ financial literacy is better than the 8th grade students’.The 7th grade students’ financial literacy is more than desirable.
6. There are conspicuous differences in the variable of different family socio-economic characteristics on financial literacy, the high income family provides their children better financial literacy while the kids of the middle income family perform less ideal. Those low income family displays deficient literacy.
In conclusion, the researcher makes some suggestions for improvement to education authorities, junior school authorities, counselors and parents. The thesis also discusses the future probable problem and their resolutions.

並列關鍵字

Junior high school students ； Financial Education, ； Financial Education Materials, ； Financial Literacy

參考文獻

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