國中生金錢觀之研究

本研究旨在探討新北市板橋、土城區國民中學生的金錢觀之現況與關係，分析不同背景變項之國中生在金錢觀上的差異情形。本研究採用問卷調查法，以新北市板橋、土城區國民中學生為研究對象，正式問卷共發出8所學校440份，回收437份其中有效問卷431份，有效回收率97.9％。進一步再以百分比次數分配、平均數、標準差等描述統計、t 考驗及多元回歸分析等統計方法進行分析，並獲致以下研究結果： 1. 新北市板橋、土城區八年級和九年級國中生對金錢觀之現況知覺屬中等程度。 2. 不同年級與性別之國中生金錢觀有顯著差異。 3.國中生家庭收入對國中生金錢觀具有正向解釋力。 4.不同年級對國中生金錢觀具有正向解釋力。最後，根據研究結果提出建議，以供教育行政機關、國民中學校長、教師與後續研究者提出具體建議。

關鍵字

金錢觀；理財教育；理財素養；金錢態度；消費行為

並列摘要

The purpose of this thesis is to investigate the current money attitude situation bevavior of junior high school students in Banqiao and Tucheng Distric of New Taipei City.The participants invited through stratified random sampling on vlountary basis from these students. A questinnaire to investigate money attitudes among Junior high school’s students. This study invited 440 voluntary students to participate the survey. Finally, there are 437 copies returned, with 431 valid copies obtained. It represents 97.9 % return rate.The statistical methods were used to transform the data, including frequency distribution, mean,standard deviation, t-test, andmultiple regression. The major findings are listed as follows: 1. The current situation of the eighth grader and ninth grader in Banqiao and Tucheng Distric junior high school students are above the average level as the survey. 2. There are significant differences among the Money Attitudes according to grader and gender. 3. The junior high school student’s family income can be used to explain student’s money attitudes positively in the regression model. 4. The correlation between students' different grade and their money attitudes is remarkably positive. In other words, when the students get bigger grade in school, they will perform better in money attitudes as well. Based on the findings, this study recommends that school based financial and consumption education are important to both students and parents.