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題名：教育程度、家庭所得對理財知識與理財行為路徑模式之探究
書刊名：高雄師大學報. 教育與社會科學類
作者：曾永清 引用關係
作者(外文)：Tseng, Yung-ching
出版日期：2015
卷期：38
頁次：頁49-68
主題關鍵詞：理財知識；理財行為；結構方程模式；Financial knowledge；Financial behavior；Structural equation model；SEM
原始連結：連回原系統網址new window
相關次數：
  • 被引用次數被引用次數:期刊(6) 博士論文(0) 專書(0) 專書論文(0)
  • 排除自我引用排除自我引用:4
  • 共同引用共同引用:19
  • 點閱點閱:73
本研究以「調查國民金融知識水準方法、架構及實地調查之研究」研究案所提供的數據，抽樣方法是依據台灣人口之結構比例分層隨機取樣，經過刪減樣本後，共保留1,465份樣本。研究發現理財知識的觀察指標，以「信用管理知識」、「投資管理知識」、「金錢管理知識」三個觀察變數較佳；理財行為的觀察指標，則以「金融資訊行為」、「退休金規畫行為」、「儲蓄行為」與「理財規劃行為」變數較佳。相對地，呈現所取樣國人風險觀念的「保險與風險預防行為」變數，效果量不大，「信用管理行為」、「貸款管理行為」等辨識債務是否過多的指標，因信度不足被排除於分析之外，可見理財知識與行為的不完整與不對稱性。於SEM路徑關係上，理財知識對其理財行為具有直接正向效果，樣本教育程度、家庭年所得與理財知識三者，可以解釋他們理財行為變異量接近80%，其中以理財知識在總效果量中是影響最直接與最大的。多群組巢狀比較分析發現，無論居住於城市或鄉鎮的國人，均接受測量路徑係數與結構路徑係數相等的虛無假設。
This study adopted the National Financial Literacy Survey in Taiwan of the Taiwan Academy of Banking and Finance and conducted random sampling of the population structure. After eliminating ineffective samples, there were 1,465 samples. The results showed that credit management, investment know-how, and money management are better indicators of financial knowledge; financial information, retirement planning, savings, and financial planning are better indicators of financial behavior. Relatively, the effect of the composite risk index from insurance and risk control is insignificant, and personal debt indicators such as credit management, loan management are therefore deleted because the Cronbach's alpha values are substantially lower. It seems that with limited financial knowledge or asymmetric information, individuals cannot make a sound financial decision.Regarding the path relation of structural equation modeling (SEM), financial knowledge has a direct and significant influence on financial behavior. Education, annual family income and financial knowledge can account for 80% of the total variance of financial behavior, in which financial knowledge plays a larger role in predicting financial behavior. After a comparison analysis of multiple groups, the null hypothesis is supported. For both the measurement and structural model, no significant differences are found in the coefficients of the paths between cities and villages/towns where people live.
期刊論文
1.黃富櫻(20080600)。主要國家央行推廣金融教育的比較與借鏡。國際金融參考資料，55，152-196。new window  延伸查詢new window
2.喬曉麗(2006)。國外中小學校的理財教育及其啟示。教學與管理--理論版，29，79-80。  延伸查詢new window
3.Braunstein, S.、Welch, C.(2002)。Financial literacy: An overview of practice, research, and policy。Federal Reserve Bulletin，88(11)，445-457。  new window
4.Grable, J. E.、Joo, S. H.(1998)。Does financial education affect knowledge, attitudes, and behavior? An empirical analysis。Personal Finances and Worker Productivity，2(2)，213-220。  new window
5.Klemme, D.(2002)。National Jumpstart Coalition for financial literacy benchmarks: Curriculum inclusion and pedagogical practice in Wisconsin。Journal of Family and Consumer Sciences Education，20(2)，12-19。  new window
6.Lusardi, A.、Mitchell, O. S.(2007)。Baby boomer retirement security: The role of planning, financial literacy, and housing wealth。Journal of Monetary Economics，54(1)，205-224。  new window
7.Lyons, A.、Neelakantan, U.(2008)。Potential and pitfalls of applying theory to the practice of financial education。Journal of Consumer Affairs，42(1)，106-112。  new window
8.Martin, A.、Oliva, J. C.(2001)。Teaching children about money: Applications of social learning and cognitive learning developmental theories。Journal of Family and Consumer Sciences，93(2)，26-29。  new window
9.Norvilitis, Jill M.、Szablicki, P. Bernard、Wilson, Sandy D.(2003)。Factors influencing levels of credit-card debt in college students。Journal of Applied Social Psychology，33(5)，935-947。  new window
10.Hogarth, J. M.、Hilgert, M. A.(2002)。Financial knowledge, experience and learning preferences:preliminary results from a new survey on financial literacy。Consumer Interests Annual，48，1-7。  new window
11.Atkinson, A.、McKay, S.、Collard, S.、Kempson, E.(2007)。Levels of financial capability in the UK。Public Money and Management，27(1)，29-36。  new window
12.Robb, C. A.、Woodyard, A. S.(2011)。Financial Knowledge and Best Practice Behavior。Journal of Financial Counseling and Planning，22(1)，60-70。  new window
13.劉萍(2009)。理財教學，愈早開始愈好。smart智富月刊，133。  延伸查詢new window
14.Hira, T. K.、Loibl, C.(2005)。Understanding the impact of employer-provided financial education on employee commitment。Journal of Consumer Affairs，39(1)，173-194。  new window
15.O'Neill, B.、Xiao, J. J.(2003)。Financial fitness quiz: A tool for analyzing financial behavior。Consumer Interests Annual，49，1-3。  new window
16.Worthington, A. C.(2006)。Predicting financial literacy in Australia。Financial Services Review，15(1)，59-79。  new window
17.Buckland, J.(2010)。Are low-income Canadians financially literate? Placing financial literacy in the context of personal and structural constraints。Adult Education Quarterly，60(4)，357-376。  new window
18.Lyons, A. C.、Rachlis, M.、Scherpf, E.(2007)。What's in a score? Differences in consumers' credit knowledge using OLS and quantile regressions。Journal of Consumer Affairs，41(2)，223-249。  new window
19.Mandell, L.、Klein, L.(2009)。The Impact of Financial Literacy Education on Subsequent Financial Behavior。Journal of Financial Counseling and Planning，20(1)，16-24。  new window
20.Shih, T. Y.、Ke, S. C.(2014)。Determinates of financial behavior: Insights into consumer money attitudes and financial literacy。Service Business，8(2)，217-238。  new window
21.曾永清(20130600)。大學生理財素養及其相關因素徑路關係之檢驗。高等教育，8(1)，1-29。new window  延伸查詢new window
22.Van Rooij, Maarten C. J.、Lusardi, Annamaria、Alessie, Rob J. M.(2011)。Financial literacy and stock market participation。Journal of Financial Economics，101(2)，449-472。  new window
23.Hogarth, J. M.(2002)。Financial literacy and family and consumer sciences。Journal of family and consumer science，94，14-28。  new window
24.Hilgert, Marianne A.、Hogarth, Jeanne M.、Beverly, Sondra G.(20030700)。Household financial management: The connection between knowledge and behavior。Federal Reserve Bulletin，89(7)，309-322。  new window
25.Hayhoe, Celia R.、Leach, Lauren J.、Turner, Pamela R.(1999)。Discriminating the number of credit cards held by college students using credit and money attitudes。Journal of Economic Psychology，20，643-656。  new window
26.Calvet, L.、Campbell, J. Y.、Sodini, P.(2006)。Household finance。Journal of Finance，61(4)，1553-1604。  new window
27.Bagozzi, Richard P.、Yi, Youjae(1988)。On the Evaluation of Structural Equation Models。Journal of the Academy of Marketing Science，16(1)，74-94。  new window
研究報告
1.薛琦(2007)。調查國民金融知識水準方法、架構及實地調查之研究。臺北市：臺灣金融研訓院。  延伸查詢new window
2.Cole, S. A.、Paulson, A. L.、Shastry, G. K.(2012)。Smart money: The effect of education on financial behavior。  new window
3.Orton, L.(2007)。Financial literacy: lessons from international experience。Canadian Policy Research Networks Inc.。  new window
4.行政院金融管理委員會(2008)。國民金融知識調查。  延伸查詢new window
5.Brown, M.、van der Klaauw, W.、Wen, J.、Zafar, B.(2013)。Financial education and the debt behavior of the Young。  new window
圖書
1.Hirad, A.、Zorn, P. M.(2001)。A little knowledge is a good thing: Empirical evidence of prepurchase homeownership counseling。McLean. VA：Freddie Mac。  new window
2.Lord, N.(2001)。Summing up: Bridging the financial literacy divide: A CAB evidence report。London：National Association of Citizens Advice Bureaux。  new window
3.Mandell, Lewis(2006)。Financial literacy: Improving education results of the 2006 national Jump$tart survey。Washington, DC：Jumpstart Coalition。  new window
4.吳明隆(2010)。結構方程模式：AMOS的操作與應用。五南圖書出版股份有限公司。  延伸查詢new window
5.Hair, Joseph F. Jr.、Anderson, Rolph E.、Tatham, Ronald L.、Black, William C.、Babin, Barry J.(1998)。Multivariate data analysis。Prentice-Hall, Inc.。  new window
其他
1.Jumpstart Coalition for Personal Financial Literacy(2007)。National standards in K-12 personal finance education with benchmarks, knowledge statements and glossary，http://www.jumpstart.org/， 。  new window
2.中華民國財金智慧教育推廣協會(2007)。2007年台閩地區高中職生與大學生財金素養程度調查，http://www.finlea.org.tw/News_show.aspx?id=138。  延伸查詢new window
3.徐敏子(2008)。推動全民理財聯邦財長屋崙開講，http://city.udn.com/59204/2756995。  延伸查詢new window
4.Basu, S.(2005)。Financial literacy and the life cycle. White House Conference on Aging，http://216.87.66.5/member/govt_relation/new/loader.cfm?url=/commonspot/security/getfile.cfm&PageID=33231.pdf。  new window
5.Boyce, L.，Danes, S.(1998)。Evaluation of the NEFE high school financial planning program 1997‐1998，http://www.hsfpp.org/Portals/0/Documents/NEFE%20HSFPP%20Impact%20Study%201997-1998.pdf。  new window
6.OCC(2012)。Financial Literacy Resource Directory，http://www.occ.treas.gov/cdd/finlitresdir.htm。  new window
7.OECD(2009)。Financial Education and the Crisis，http://www.oecd.org/finance/financial-education/50264221.pdf。  new window
8.President's Advisory Council on Financial Literacy(2008)。2008 Annual Report to the President，http://www.treas.gov/offices/domestic-finance/financial-institution/fin-education/council/exec_sum.pdf。  new window
圖書論文
1.Mandell, L.(2008)。Financial literacy of high school students。Handbook of Consumer Finance Research。New York, NY：Springer。  new window
 
 
 
 
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