國小階段基礎理財知識教育融入生活之成效研討

The Effectiveness of Integrating Basic Financial Knowledge Education into Daily Life in Elementary School

蔡惠美(Hui-Mei Tsai)

指導教授 ： 沈冠甫

健行科技大學/商管學院/財務金融系碩士班/碩士(2021年)

摘要

本研究探討於國小五年級實施理財教育課程融入生活的實施成效。以桃園市中壢區某國小五年級的六個班級學生為研究對象，分析理財教育課程實施對於學生之理財觀念是否有所提升。研究結果發現：理財教育課程的實施對國小五年級兒童的『儲蓄與消費』、『信用與借貸』、『投資』及『綜合性理財觀念』等理財概念影響甚鉅─大部分學生都從理財教育課程當中獲益良多，且都能給予正面的肯定與回饋。經統計檢定發現，實驗組三個班級學生在『儲蓄與消費』、『信用與借貸』、『投資』及『綜合性理財觀念』等理財概念四項構面之後測得分皆顯著高於前測，表示學生在接受理財教育課程後，「理財教育評量」各方面皆有明顯地進步。而利用SPSS相關分析得到學生在接受理財教育課程後，這三大因素間的相關係數皆達顯著水準，若學生對於金錢的態度越佳時，在消費態度及理財行為的知覺也會越正向，且在已認知信用與借貸態度的表現越正向時，在理財投資的表現也會趨向積極。換言之，於理財課程的設計上，皆應顧慮到，使學生在學習時相輔相成，在各方面都能有不錯的展現。

關鍵字

理財素養 ； 理財教育 ； 國小高年級學生

並列摘要

This study explores the effectiveness of the implementation of financial education program integrated into daily life. The participants in this study are fifth-grade students, six classes, of an elementary school in Zhongli District, Taoyuan City. The purpose is to analyze whether this program improves students’ financial management concepts. The results show this program has a huge impact on participants. on the concepts of ‘saving and consumption’, ‘credit and lending’, ‘investment’ and ‘comprehensive financial management concepts’. Most students benefit a lot from this program; moreover, they also give positive affirmation and feedback. After statistical analysis, it was found that the pretest scores of the three classes in the experimental group on ‘saving and consumption’, ‘credit and lending’, ‘investment’ and ‘comprehensive financial management concepts’ are significantly higher than the posttest scores. This means that students have made significant progress in all aspects of "financial education assessment" after receiving financial education program. By using SPSS correlation analysis, it is also found that the correlation coefficient among the three factors have reached a significant level after receiving financial education program. If students have better attitudes towards money, their perceptions of consumption and financial behaviors will be more positive, and when their attitudes towards credit and lending are more positive, their performance in financial investment will also become more positive. In other words, all aspects should be taken into consideration in the design of financial management program, so that students can complement each other in the learning process, and show good performance in all aspects.

並列關鍵字

financial management concepts, Senior Grades Student ； financial education, financial management concepts, Senior Grades Student ； Senior Grades Student

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