國中生金錢價值觀與消費行為之研究─以一所新北市國中為例

本研究之目的為分析國中生對於金錢價值觀的認知，以及實際的消費行為，並針對分析結果提出相關建議，以供日後學校老師實施金錢教育之參考。本研究採取半結構式訪談法為研究方法，以新北市一所國民中學有領零用錢的學生為訪談對象，研究工具為自製之「國中生金錢價值觀與消費行為之訪談大綱」。根據訪談資料分析結果，本研究歸納結論如下：一、國中生的家庭背景多元，金錢消費行為有差異二、國中生零用錢的使用用途大部分皆在飲食方面三、國中生的金錢價值觀皆有工作才有收入、先存後花以及不要浪費父母賺錢辛苦的概念四、國中生實際的金錢消費行為可分為兩種類型，一種為開放花費型，另一種為保守儲蓄型五、零用錢金額及用途、家人互動關係、家人的消費行為以及金錢價值觀的認知是影響國中生金錢消費行為的因素

關鍵字

國中生；金錢價值觀；消費行為

並列摘要

The purpose of this study is to examine the monetary values and consumption behaviors of junior high school students. Based on the findings, recommendations are provided to school teachers in terms of implementing monetary education. This study adopts semi-structured interview as the research method. Based on interviews with students in a New Taipei City junior high school, the study reaches the following conclusions: 1. Family background influences consumption behaviors of junior high school students. 2. Junior high school students spend most of their allowance on food and beverage. 3. Junior high school students understand that work leads to income, that they should save before they spend, and that they should not waste money earned by parents. 4. Consumption behaviors of junior high school students can be categorized as 1) open to spending and 2) conservative and saving. 5. Allowance amount, interaction with family, consumption behavior of family members, and monetary values are factors affecting student consumption behavior.