大學生的理財素養與理財行為關係之研究

Abstract

本研究旨在瞭解我國大學生理財素養與理財行為的現況，以及不同背景變項對理財素養與理財行為的影響，並且探討理財素養與理財行為的關係。為達上述目的，本研究以曾永清對全國10所大學進行「大學生理財素養問卷」施測所蒐集之資料，透過描述統計、獨立樣本t檢定、單因子變異數分析與事後多重比較、次序羅吉特模型、主成份分析以及多元迴歸分析等方式進行統計分析。

本研究結果歸納如下： 一、大學生的理財素養有待加強，多數學生得分不超過50分。 二、大學生的理財行為表現尚可，學生大多熟悉一到兩種的理財商品，也對一到兩種的理財知識有興趣，而對投資理財多具有正向態度。 三、不同背景變項的大學生，其理財素養大多具有顯著差異。四年級、雙親最高學歷為研究所、一個月生活費在兩萬元以上的學生，其理財素養表現最好。 四、不同背景變項部份對大學生理財行為有顯著的解釋力。男學生、年級越低、母親職業越低的學生，其理財行為表現越好。 五、理財素養對理財行為具有顯著解釋力，並有正相關。最後得出理財素養越好，越具有理財行為的結論。The purposes of this study were to understand the current financial literacy and financial behavior among college students, and to examine the relationship between financial literacy and financial behavior. The data were based on 10 university stutents in Taiwan, and were analyzed by using descriptive statistic, t-test, one-way ANONA, ordered logit model, principle component analysis and multiple regression analysis. The major findings of this study were summarized as follows: 1.The college students still have room for improvement in financial literacy. 2.The college students display ordinary and medium degree in financial behavior. 3.The variance analysis of students' financial literacy shows that variables such as grade, parents’ academic backgoround ,and monthly living fee, have significant differences in students' financial literacy. 4.Parts of variables have ample explanation to students' financial behavior. Students who were male, were lower-grade or whose mother had lower profession, exhibit a higher level of financial behavior. 5.The students' financial literacy has ample explanation to students' financial behavior. Simultaneously, there is a positive correlation between students' financial literacy and financial behavior. Therefore, it means the better the students' financial literacy is, the better the students' financial behavior is.