美國經濟教育協會(CEE)理財教育課程綱要層級分析──以國中公民教師為例

本研究旨在探究臺灣國中公民科教師對於美國經濟教育協會CEE八年級（8th grade）理財教育課程綱要（2013）之重要性優先次序，以提供未來理財教育課程內涵做參考藍圖。透過文獻分析探討理財素養、理財教育、各國（美國、澳洲以及臺灣）的理財課程，並參考CEE理財素養課程綱要（2013）設計問卷，針對國中公民科教師做差異性分析以及層級分析研究。研究結論如下：一、不同背景變項（地區、性別、不同教學年資、修習不同理財理財課程數）的國中公民科教師對於CEE八年級理財教育課程綱要六大主題差異情形，在任教地區、性別、教學年資、修習不同理財理財課程數等背景變項均無顯著差異。二、國中公民科教師對於CEE八年級理財教育課程綱要之六大主題的重要性依序為：儲蓄、金融投資、保護與投保、賺取所得、購買商品與服務、使用信貸。三、CEE理財課程綱要（2013）之整體重要性排序結果：最重要前三名能力指標依序為「金融投資──5.財務風險包括實際損失，高報酬伴隨高風險。」、「儲蓄──5.不同的人儲蓄出於不同的原因，有自己喜好。」、「儲蓄──3.利率是市場決定。」。

關鍵字

理財教育；美國經濟教育協會理財課程綱要；層級分析法

並列摘要

The purpose of this study is to explore the important order of the American Economic Education Association CEE eighth grade (8th grade) financial education curriculum outline (2013) to provide ideal financial education curriculum content as future Taiwan financial curriculum blueprint. First, through the literature analysis to explore the financial management, financial education, and other countries’ (the United States, Australia, and Taiwan) financial courses, take CEE financial management curriculum outline (2013) as reference to design questionnaires. Second, the target population is junior high school civic teachers in Taiwan, and use variance of analysis and analytic hierarchy process for research. The conclusions are as follows: 1.Different background variables (teaching region, gender, different teaching years, the number of different financial management courses) of junior high school civic teachers on six standard topics of CEE financial education curriculum outline, all background variables are no significant difference. 2.The junior high achool civic teachers on six standard topics of CEE financial education curriculum outline in the order of importance: Saving, Financial Investing, Protecting and Insuring, Earning Income, Buying Goods and Services, and Using Credit. 3.CEE financial education curriculum outline in the order of overall importance: The top three curriculum standards are " Financial Investing --5. Financial risk, including the actual loss, high risk with high pay. ", "Saving --5. Different people save for different reasons, have their own preferences.", "Saving --3. Interest rate is the market decision."