家庭資本對各學習階段學生金錢態度影響之研究

A Study on the Influence of Family Capital on Students' Money Attitudes in Different Learning Stages

吳添財(Tien-Tsai Wu)

指導教授 ： 陳美如

國立清華大學/竹師教育學院/課程與教學碩士在職專班/碩士(2019年)

摘要

摘要
本研究旨在探究家庭資本對各學習階段學生金錢態度之影響，分析不同背景變項的學生家庭資本及金錢態度之現況，並探討家庭資本與金錢態度之間的相關性與預測力。
本研究之研究對象為新竹縣公私立國小、國中及高中學生，以自編問卷為資料蒐集工具，採隨機取樣方式，正式問卷共發出848份，回收819份，回收率為96.58％，有效問卷806份，占98.41％。回收問卷資料以描述性統計、獨立樣本t考驗、單因子變異數分析、Scheffé事後比較法、Pearson積差相關及多元逐步迴歸分析等統計方法加以分析。
根據研究發現，歸納研究結論如下：
一、學生家庭資本之現況為中上程度。
二、學生金錢態度之現況較趨於正向。
三、不同背景變項之學生家庭資本有顯著差異。
四、不同背景變項之學生金錢態度有顯著差異。
五、家庭資本與學生金錢態度有顯著相關。
六、家庭資本對學生金錢態度預測力較為薄弱。
最後，研究者依據研究結果，對教育行政單位、學校教師、學生家長以及未來研究提出具體建議，期能作為國內推動金融理財教育之參考。

關鍵詞：家庭資本、文化資本、社會資本、經濟資本、金錢態度、學習階段

關鍵字

家庭資本 ； 文化資本 ； 社會資本 ； 經濟資本 ； 金錢態度 ； 學習階段

並列摘要

Abstract
This study aimed to probe into the influence of family capital on students’ money attitudes in different stages of studying in order to analyze the status of such attitudes in different background variables as well as to explore the correlation between family capital and money attitudes and the predictability based on them.
The subjects of this study were public and private elementary school, junior high school and senior high school students in Hsinchu County. 848 formal questionnaires were sent out and 819 were collected by random sampling, with a recovery rate of 96.58% and 806 valid questionnaires, accounting for 98.41%. Questionnaire data were collected and analyzed by descriptive statistics, independent sample t-test, One-way ANOVA, Scheffé Post-comparison, Pearson Product-difference Correlation and multiple stepwise regression analysis.
According to the research findings, the conclusions are as follows:
1.The status of student’s family capital was above average.
2.Students’ money attitude tended to be positive.
3.The family capital of students with different background variables was significantly different.
4.There were significant differences in money attitudes among students with different backgrounds.
5.Family capital was significantly correlated with students’ money attitude.
6.Family capital was weak in predicting students’ money attitude.
Finally, based on the research results, the researcher hoped to provide reference for educational administrative units, school teachers, students' parents and non-graduates to promote financial education in our country.

Key words: Family Capital, Cultural Capital, Social Capital, Economic Capital,Money Attitudes,Stages of Learning

並列關鍵字

Family Capital ； Cultural Capital ； Social Capital ； Economic Capital ； Money Attitudes ； Stages of Learning

參考文獻

參考文獻

壹、中文部分

王中天 (2003)。社會資本（Social Capital）：概念、源起、及現況。42(5)，139-163。

王永銘 (2004)。國小學童金錢態度、消費行為與電視廣告態度之相關研究。(未出版碩士論文)，國立屏東師範學院。

王姵心 (2015)。家庭背景、社會資本與多元入學之研究。(未出版碩士論文)，國立東華大學，花蓮縣。