大學生對生涯理財認知之研究—以中部地區為例

A Research on Financial Literacy of College Students in Central Taiwan

楊慧勤(Huei-Ching Yang)

指導教授 ： 陳建宏

朝陽科技大學/管理學院/財務金融系/碩士(2013年)

摘要

為因應全球經濟環境和產業結構變遷，對經濟的不確定性與潛在著風險與變數，大部分的大學生於畢業後，將是社會新鮮人，也是邁入生涯獨立自主，經營自己人生的開始。生涯含蓋出生至老死的歷程，是生活作息各階段各層面的彙總。為未雨綢繆，如果缺乏正確理財知識與觀念，則較難進行適切的生涯財務規劃。大學生正處於生涯發展的關鍵期，乃學習理財的黃金時期，對生涯各個階段短中長期，除日常生活支出外，創業、成家、置產、休閒、子女教育、儲蓄、投資及保險等，具有正確之分配比例，可以因應經濟衝擊、適應變局，過美好的人生。
因此，本研究的主要目的在探究中部地區大學生對生涯理財認知，瞭解中部地區大學生對生涯理財認知之現況，及瞭解中部地區大學生的屬性與生涯理財認知之關係。採用問卷方式，以自編「大學生對生涯理財認知問卷」作為資料蒐集的工具，以中部地區大學生作為研究對象，使用SPSS來進行敘述統計分析以及單因子變異數分析等實證分析，研究結果顯示：以「父親職業」、對「投資報酬率高風險高」認知的顯著差異項目最多，表示生涯理財認知會受父親職業以及是否有基本理財觀念而有所影響。

關鍵字

理財認知 ； 生涯 ； 理財行為

並列摘要

In response to the global economic environment, the changing industrial structures, economic uncertainty and the potential risks and variables, most college students will become freshmen of the society upon graduation, and begin to manage his or her own life independently. Career, covers the progress of birth to death, is the summary of the lifestyle at different levels. If college students are lack of proper financial knowledge and ideas, they will have hard time to proceed appropriate financial planning. College students are in a critical period of career development, which is the prime time to learn how to manage money. For short, medium and long term career stages, if students can handle their daily expenses, entrepreneurship, marriage, home production, leisure, children education, savings, investment, and insurance with correct distribution ratio, they will be able to manage economic shocks, adapt to changes, and have a great life.
Therefore, the main purpose of this study was to explore the central region college students’ career financial literacy, to understand their current status, and to learn the relationship between their attributes and career financial literacy. A self-designed questionnaire of “Students on Career Financial Literacy Survey” was used as an information gathering tool, and the subjects were college students in central Taiwan. The study used SPSS for statistical analysis, and ANOVA for empirical analysis. The results showed most of the significant differences were on the projects of “father’s occupation” and “high risk and high return on investment”, which means career financial literacy will be affected by his or her father’s occupation and whether he or she has basic financial concepts.

並列關鍵字

Financial Literacy ； Career ； Financial Behavior

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