本研究在探討大學生的人口統計變數、人格特質、風險容忍度對理財認知的影響程度,運用獨立樣本t-test、ANOVA檢定大學生的人口統計變數對人格特質、風險容忍度及理財認知之影響,並使用迴歸分析人格特質、風險容忍度對理財認知的因果關係模式。本研究以問卷調查法為主要衡量,並採網路問卷發放方式,回收有效問卷239份。本研究之主要發現,歸納如下:1.不同人口統計變數對大學生對其人格特質會有顯著差異。(例如:居住地、學院及可支配所得等)。2.不同人口統計變數(例如:不同的學院及可支配所得)的大學生其風險容忍度會有顯著差異。3. 不同人口統計變數(例如:不同的性別、學院)的大學生對理財認知程度有顯著差異。4.大學生的風險容忍度對於理財認知程度有顯著的正向影響。5.人格特質中的親和性及嚴謹性顯著影響理財認知。
This study aims to investigate the influences of demographic items, personal characters, and risk tolerance of college students on the recognition of financing, by using independent t-test and ANOVA. Regression analysis is also employed to examine the relation model of personal characters and risk tolerance on the recognition of financing. This study uses internet questionnaire survey and includes 239 valid questionnaires. The major findings are as follows: 1.The college students with different demographic items (such as resident areas, colleges, and disposable income etc.,) exhibit significant difference on the personal characters. 2. The college students with different demographic items (such as colleges, and disposable income etc.,) exhibit significant differences on the risk tolerance. 3. The college students with different demographic items (such as sex, and colleges etc.,) exhibit significant differences on the recognition of financing. 4. The risk tolerance of college students has significant positive impact on the recognition of financing. 5. The affinity and rigorous factors of personal characters of college students have significant influences on the recognition of financing.