國小高年級學童人格特質、金錢態度與消費行為之研究

The Study on Personality Traits, Money Attitude, and Consumer Behavior of the 5th and 6th Grade Elementary Students

趙明厚(Ming-Hou Chao)

指導教授 ： 鄧誠中

共同指導教授 ： 紀麗秋

國立虎尾科技大學/管理學院/企業管理系經營管理碩士在職專班/碩士(2016年)

摘要

本研究旨在瞭解與分析國小高年級學童人格特質、金錢態度與消費行為三者之傾向及其相關情形。本研究以問卷調查為研究工具，研究對象為雲林縣國小高年級學童，有效樣本為358份。問卷資料以描述性統計、獨立樣本T檢定、單因子變異數分析、Pearson積差相關、多元迴歸等統計方法進行分析。
根據研究主要發現，歸納結論如下：
一、國小高年級學童的人格特質在「外向性」層面傾向較高，在「神經質」層面的傾向偏低，且會因性別、儲蓄習慣、母親有無工作、是否與父母同住以及父母教育程度等背景變項不同而有顯著差異。
二、國小高年級學童的金錢態度在「金錢維持」層面傾向較高，在「金錢著迷」層面的傾向偏低，且會因年級、性別、儲蓄習慣、是否與父母同住以及父母教育程度等背景變項不同而有顯著差異。
三、國小高年級學童的消費行為在「理智型」層面傾向較高，在「炫耀型」層面的傾向偏低，且會因年級、零用錢級距、是否與父母同住以及父母教育程度等背景變項不同而有顯著差異。
四、國小高年級學童的人格特質、金錢態度與消費行為三者之間呈現顯著相關。
五、國小高年級學童的人格特質與金錢態度對其消費行為具有預測力。
最後，本研究根據結論提出建議，以期作為未來研究以及家庭與學校推行理財教育之參考。

關鍵字

國小高年級學童 ； 人格特質 ； 金錢態度 ； 消費行為

並列摘要

This study aims to investigate and analyze the differences and corelation among the personality, money attitude, as well as consumer behavior of the 5th and 6th grade elementary students. A questionnaire was used as the main research instrument in this study. The participants of this study were 5th and 6th grade elementary students from Yunlin County, Taiwan. There were 358 valid questionnaires collected. Descriptive Statistics, Independent T-test, One-way ANOVA, Pearson product-moment correlation coefficient, and regression model were used to analyze the collected data. The results were as follows:
1. Among the five dimensions of Personality, the 5th and 6th grade students have a strong tendency towards Extraversion, while the tendency towards Neuroticism has less significance. The personality of different students shows significant differences according to their gender, saving behavior, status of their mother’s employment, living with or without their parents, as well as the educational background of their parents.
2. Among the five dimensions of Money Attitude, the 5th and 6th grade students have a strong tendency towards Retention, while the tendency towards Obsession has less significance. The Money Attitude of different students shows significant differences according to their grade, gender, saving behavior, living with or without their parents, as well as the educational background of their parents.
3. Among the five dimensions of Consumer Behavior, the 5th and 6th grade students have a strong tendency towards the “Rationality Type”, while the tendency towards the“Show-off Type”has less significance. The Consumer Behavior of different students shows significant differences according to their grade, allowance level distance, living with or without their parents, as well as the educational background of their parents.
4. There are significant corelation among the 5th and 6th grade students’ Personality traits, Money Attitude and Consumer Behavior.
5. The 5th and 6th grade students’ personality traits and money attitude can predict their consumer behavior.
Based on the findings, several recommendations are proposed as reference for family and school education in order to promote money management education in Taiwan.

並列關鍵字

the 5th and 6th grade elementary students ； Personality traits ； Money attitude ； Consumer behavior

參考文獻

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