屏東縣國中生理財知能之研究

The Study of Financial Literacy and Capability of Junior High School Students in Pingtung County

白博文(Po-Wen Pai)

指導教授 ： 羅希哲

國立屏東科技大學/人文暨社會科學院/技職教育研究所/碩士(2014年)

https://doi.org/10.6346/NPUST.2014.00224

摘要

摘要

學號：M9970001
論文名稱：屏東縣國中生理財知能之研究
總頁數：123
學校名稱：國立屏東科技大學 系(所)別：技術及職業教育研究所
畢業時間及摘要別：102學年度第2學期 碩士學位論文摘要
研究生：白博文 指導教授：羅希哲 博士
論文摘要：
本研究旨在瞭解屏東縣國中生理財知能的現況；探討不同背景變項之屏東縣國中生在理財知能的差異情形。本研究採問卷調查法；經由預試問卷進行項目分析並形成正式問卷，研究工具為「屏東縣國中生理財知能量表」；研究對象包括屏東縣縣內28所國中共計1,200份，回收問卷1,117份，無效問卷24份，有效問卷1,093份，回收率為91.33%。所獲得資料以平均數、百分比、獨立樣本t考驗、單因子變異數分析等統計方法加以處理，其重要結果如下所示：
一、屏東縣國中生的理財知能以「信用與借貸」構面最高，「金錢管理與規劃」構
面最低。
二、不同性別、不同年級之個人因素的國中生，其理財知能達部分顯著差異。
三、不同家長教養方式之家庭因素的國中生，其理財知能達顯著差異。不同家庭子
女數、不同家長職業之家庭因素的國中生，其理財知能達部分顯著差異。不同
在家排行、不同住家居住區位、不同可支配零用錢之家庭因素的國中生，其理
財知能未達顯著差異。
四、不同之同儕關係的國中生，其理財知能達顯著差異。
最後，根據本研究之研究發現，給予學校、家長與未來研究一些建議，做為進一步研究之參考。

關鍵字：國中生、理財知能

關鍵字

國中生 ； 理財知能

並列摘要

Abstract
Student ID : M9970001
Title of Thesis: The Study of Financial Literacy and Capability of Junior High School Students in Pingtung County
Total page: 123
Graduate Institute: Graduate Institute of Technological and Vocational Education, National Pingtung University of Science and Technology
Date of Graduate: June, 2014 Degree Conferred: Master
Name of Student: Po-Wen Pai Advisor: Dr. Shi-Jer Lou
Abstract:
The purpose of the study is to understand the current situation of financial literacy and capability for junior high school students in Pingtung county, exploring the differences among different background variables of students. It adopts questionnaire method, using pre-test to process item analysis to formulate the formal questionnaire, and compiling “the Measurement table of financial literacy and capability of junior high school students in Pingtung county” as research instrument. With 28 schools of Pingtung county as research subject, this study releases 1,200 copies of questionnaires and collecting 1,117 copies back. After deleting 24 copies of useless questionnaires, it obtains 1,093 effective copies, reaching 91.33% of availability. The collected data is further processed with statistical analysis including mean, percentage, t-test, and one-way ANOVA. Research findings are shown as follows:
1. The dimension of credit and loan is the highest among
financial literacy and capability of junior high school
students, while the dimension of money management and
planning is the lowest.
2. Financial literacy and capability for different genders
and grades of students appears partially and
significantly different.
3. Financial literacy and capability for family factors in
different teaching way of students’ parents expresses
significantly different. Family factors with different
numbers of children and parents’ occupation appear
partially and significantly different. And family
factors with different sequence of family members,
different area of residing, and different domination of
petty cash can’t reach any significant difference.
4. Financial literacy and capability for different peer
relationship of students appears significantly different.
Lastly, the study, according to research findings, presents several related suggestions to schools, parents, and future researchers as references for further research.

Keywords: junior high school student, financial literacy and capability

並列關鍵字

junior high school student ； financial literacy and capability

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