美國Jump$tart理財教育課綱「風險管理與保險」主題之層級分析─以臺灣師範大學學生與保險從業人員為例

Abstract

本研究以美國Jump$tart聯盟「K-12個人理財教育國家標準」（Jump$tart理財教育課綱）內的「風險管理與保險」（Risk Management and Insurance）主題為主軸脈絡，透過層級分析法（AHP）及問卷分析法，探討臺灣師範大學學生與保險從業人員就該內容於重要性程度上的排序，以期建構對我國「風險管理與保險」之課綱發展與保險業主管機關之業務推展提供具體建議。依據研究資料，本研究之結果如下：一、不同背景變項的師大學生與就業人員，就課綱中三項課程標準與各項能力指標所做之重要性排序，未達顯著差異。二、就三項課程標準之重要性，師大學生認最重要者為「（Ⅰ）會分析：一般風險類型、基本風險管理方法」；其次是「（Ⅲ）會合理說明：規劃健康險、傷殘險、長照險和壽險的原因」；最不重要是「（Ⅱ）會合理說明：規劃產險、責任險的原因」。從業人員認最重要者、次重要者恰與師大學生相反。而就最不重要者，雙方所持看法相同。三、就整體能力指標之重要性，師大學生與從業人員分別所認前五重要者有三項重複，且多是第Ⅰ項課程標準和第Ⅲ項課程標準的能力指標，並無第Ⅱ項課程標準的能力指標。研究結果顯示，師大學生與從業人員對課程標準與能力指標之重要性排序，未因背景變項不同而呈現明顯不同結果。並顯示，臺灣民眾重視壽險更甚於產險。This research is based on the Jump$tart Financial Education Curriculumbof the Jump$tart Alliance in the United States, and takes the theme of"Risk Management and Insurance" as the research context. , through Analytic Hierarchy Process (AHP) and questionnaire analysis, to explore the ranking of the importance of this content by NTNU students and insurance practitioners. In this way, we can understand the similarities and differences between the two sides on this point of view, in order to construct and provide specific suggestions for my country's "risk management and insurance" curriculum and the business development of the insuranceindustry supervisory authority.Based on the research data, the results of this study are as follows:1.NTNU students and employed personnel with different background variables will discuss the three curriculum standards and various abilities in the syllabus the ranking of the importance of the indicators did not reach a significant difference.2.Regarding the importance of the three curriculum standards, NTNU students consider the most important as"(I) Analysis: general style insurance types and basic risk management methods”; followed by “(III) Reasonable explanations: planning health insurance,Disability insurance, long-term care insurance and life insurance”; least important is “(II) Reasonable explanation: insurance, liability insurance”. Practitioners believe that the most important and the second most important are just the opposite of those of NTNU students. And on the least important thing, both sides hold the same view. 3.In terms of the importance of the overall ability index, three of the top five arerecognized by NTNU students and practitioners as the most important the itemsare repeated, and most of them are the ability indicators of the first and thirdcurriculum standards, and there is no second.The research results show that the importance ranking of curriculum standards and competency indicators by NTNU students and practitioners does not show significantly different results due to different background variables. It also shows that Taiwanese people value life insurance more than property insurance.