高中生的消費行為及理財教育之探討--以桃園市某私立高中為例

本研究旨在探討現今高中生的消費行為與自身理財教育程度的發展，以利家長作為教導孩子理財教育之依據。研究對象以桃園市某私立高中為樣本，採用問卷調查法、以各年級分層抽樣為調查對象，並配合深度訪談作為資料收集之方式。此研究發現現今高中生普遍沒有足夠的理財教育，對於理財工具上的使用認識明顯不足，及理財素養上的不足，消費習慣傾向於單品高價為主，相對的金錢價值數量，較無清晰之概念，以此建議現行高中生可加強理財教育的理論基礎。並做為家庭教育理財部分的工具書之參考。以本次問卷調查的結果顯示，此私立高中生的理財知識過於薄弱，除了儲蓄以外無其他的理財方式及相對應的管道，故此期許能夠透過本研究，帶給學生實質上對於理財規劃上的幫助。本研究以國內外研究者的文獻做探討並整理後編成「高中生理財教育與消費行為問卷」；採用「問卷調查法」，共回收有效問卷275份，再利用SPSS作敘述統計分析、獨立樣本t檢定、單因子變異數分析、相關和多元迴歸分析來評估學生的理財教育現況以及消費行為各構面的情形。

關鍵字

理財教育；消費習慣；單品高價；家庭教育

並列摘要

The purpose of this study is to explore current high school students’consumer behavior and the development of their own financial education level, to serve as a reference for helping parents teach children financial education. The subjects were sampled in a private high school in Taoyuan City, and they were selected through the stratified sampling of each grade. Two types of methodologies were adopted: questionnaire surveys and in-depth interviews. This study indicates that the high school students did not receive enough financial education generally. Compared with the value of money, they lacked a clear understanding of financial management toolsand literacy, and they habitually targeted high-priced products. This suggests that high school students may need tostrengthen the theoretical foundation of financial education and also serves as a reference book for family education regarding financial management.The results of this survey show that the private high school students’financial management knowledge wastoo weak. There were no any other financial managementapproaches and the corresponding waysexcept for savings. This study may practically contribute to students’ financial investment and management. This study reviewed the literature from local and international researchers and also adapted a questionnaire about high school students’ financial education and consumer behavior. 275 copies of valid questionnaires were collected and reclassified by SPSS for statistical analysis, and independent samples were used to analyze the questionnaires. T-test, single-factor variance analysis, correlation and multiple regression analysis were utilized to assess the current situation of the students’ financial education and consumer behavior in each aspects.