歷經卡債風暴及金融海嘯的衝擊,台灣政府當局逐漸重視學子在學校教育階段的理財相關教育,本研究欲以大專生之財務行為切入,深入探討影響財務行為之前置因素(理財素養)、後果(財務滿意與財務困境)與其中介效果以及勤勉審慎特質的調節效果。本研究採用問卷調查法,對象涵蓋五專生、雙軌訓練生、大學生、研究生等八個班級的學生,以涵蓋多元層級之受試者,有效問卷共計295份問卷。研究結果顯示,在控制了受試者性別及年齡因素後,大專生的理財素養會影響其財務行為,財務行為也會影響其財務滿意與財務困境,而財務行為的中介效果並未獲得驗證。此外,人格特質中的勤勉審慎特質可以調節理財素養與財務行為之關係,當勤勉審慎性越低時,理財素養對於財務行為的影響較強。最後針對研究結果進行討論,並提出建議,以供未來研究及教育當局參考。
After Card Debt Crisis and Financial Crisis, Taiwan government attaches importance to financial issue on school education. This study examines the relationships of financial behavior's antecedent (financial literacy), dependent variables (financial satisfaction and financial hardship), the mediating effect of financial behavior and conscientiousness as a moderator between financial literacy and financial behavior for college students. The research found financial literacy significantly affects financial behavior. And financial behavior affects financial satisfaction positively and reduces financial hardship. Conscientiousness also moderates the relationship between financial literacy and financial behavior. Unfortunately this study can’t prove the mediating effect of financial behavior. The result could provide to education institutions as reference.