國立臺灣師範大學公民教育與活動領導學系黃美筠2014-12-022014-12-022011-07-31http://rportal.lib.ntnu.edu.tw/handle/20.500.12235/41901美國次級房貸風暴所引發的金融海嘯的確突顯了理財教育的重要，但即使沒 有此項金融危機，金融市場的發展與人口、經濟與政策的改變都說明了理財教育 在現今社會的重要性。 台灣最近幾年的調查顯示國人平均金融知識水準不高，學生族群平均成績更 低。教育部也體認到理財教育需求的急迫性，配合行政院金管會所推動之「金融 知識普及計畫」，決定一百學年度起九年一貫課綱中增加金融理財知識；一o 三 年起，納入國中基測考試範圍。金管會業已編製了《個人理財-國中篇》做為國 中階段推廣理財教育的教材。 惟該等教材對於以何種教學策略融入學校課程卻未多加論述，而此正為研究 者所欲加以探討的地方。因為在已滿檔的中小學課程中，勢難增加此一新的領域 教學，而現行課程中雖然有很多機會可以從事理財教育，卻沒有一貫的涵蓋那些 可以立即被標記為理財素養的重要主題。此外，課程的實施又如何能引發學生的 學習興趣以及「能知」且真「能行」呢？ 是以本研究擬以過去三年研究者在中小學理財教育課程與教學方面的研究 為基礎，由實務上驗證金管會教材融入國中各學習領域或科目教學中的可行性與 適當性，以及探索若以活動本位教學策略---由做中學去進行教學之成效，以期能 發展出具體可行的教學模式，以推廣應用於國中的理財教育教學中。The current financial crisis has put a spotlight on the importance of financial education. But even without this crisis, developments in financial markets, demographics, economic and policy changes are all pointing to the even more importance of financial education today. Surveys in Taiwan show that adults have limited financial ability; young people have much less. The Ministry of Education has recognized this urgency. From 2011 plans to add personal finances to the required subjects in the Nine-year Integrated Curriculum. From 2014 on, personal finances will be included in the Basic Academic Competence Test for senior high school entrance. The addition of finance to basic education is in conjunction with the Financial Supervisory Commission’s (FSC) Financial Literacy Project. The FSC has now completed a personal finances learning package for junior high school students. These materials, however, what teaching strategies for integration into the school curriculum failed to elaborate on and this is for the researcher is seeking to be explored. Due to the already crowded nature of curriculum, it is certainly difficult to increase this new subject of teaching, and that the existing curriculum, even though many opportunities to engage in financial education, but not always covers that can immediately be marked as a major theme of financial literacy . In addition, on the implementation of curriculum, how can arouse students’ interest in learning, as well as "can know" and true "can do"? Therefore, this study will build upon the past three years, researcher’s research in curriculum and instruction of primary and secondary financial education as a foundation. By the practice, this study will verify the FTC materials integrating into various learning areas or subjects in the teaching of the feasibility and appropriateness. And to explore if activity-based teaching strategies --- from learning by doing to carry out the effectiveness of teaching. Hope to eventually develop a concrete and practical teaching model can be used to promote the teaching of financial education in junior high schools.理財素養理財教育活動本位教學策略financial literacyfinancial educationactivity-based instruction