臺灣博碩士論文加值系統

所有的東西都可以複製，但只有經驗是無法複製；特別是理財這件事，過去父母、前輩的經驗或許可以參考，但不代表解決財務問題的方式是一樣的。尤其是在這個網路高速傳輸的時代，市場變化不斷、投資工具創新、理財行為改變、交易方式虛擬、金錢價值轉換。現代人要如何有效率的學習財務知識、培養財務能力、快速累積理財經驗、提升判斷能力、加速達成財務上的自由，完成人生的目標?
本研究希望透過現金流遊戲理財教具及互動式體驗課程，透過問卷調查法和質性分析深度訪談業界專業人士使用經驗及陳述。獲取有效問卷401份，並以實證結果討論透過現金流桌遊教學下參與者之理財教育、理財素養、理財行為與學習成效間關聯性，並檢定相關研究假說。實證結果如下: 「理財教育」對「理財素養」、「學習成效」及「理財行為」均有顯著正向影響，「理財素養」對「理財行為」、「學習成效」均有顯著正向影響，「理財行為」對「學習成效」有顯著正向影響；「理財教育」透過「理財素養」對「學習成效」有顯著正向影響，中介效果存在，具部分中介效果，其中介接效果強度為43.58%。「理財教育」透過「理財行為」對「學習成效」有顯著正向影響，中介效果存在，具部分中介效果，其中介接效果強度僅為5.01%。理財素養與理財行為對「理財教育與學習成效」間之關係具完全中介效果 (遠程中介)。

Everything can be copied, but only experience can't be copied; especially for financial management, the experience of parents and seniors may be referenced, but it does not mean that the way to solve financial problems is the same, especially in this network high-speed transmission. In the era, the market is constantly changing, investment tools are innovating, financial behavior is changing, trading methods are virtual, and monetary value is converted. How can modern people learn financial knowledge efficiently, cultivate financial ability, quickly accumulate wealth management experience, improve judgment, accelerate financial freedom, and achieve life goals?
This study hopes to use in-depth interviews with industry professionals to use experience and presentations through cash flow game financial aids and interactive experience courses through questionnaires and qualitative analysis. 401 valid questionnaires were obtained, and the empirical results were used to discuss the financial education, financial literacy, financial behavior and learning effectiveness of participants through cash flow board games, and to verify relevant research hypotheses. The results are as follows: "Financial Education" has a significant positive impact on "Financial Behavior", "Learning Effectiveness" and "Financial Behavior". "Financial Behavior" has a significant positive impact on "Financial Behavior" and "Learning Effectiveness". "Financial Behavior" has a significant positive impact on "learning effectiveness". "Financial Education" has a significant positive impact on "learning effectiveness" through "financial literacy". Intermediary effects exist and have some intermediary effects. It is 43.58%. "Financial Education" has a significant positive impact on "learning effectiveness" through "financial behavior". The intermediary effect exists and has some intermediary effects. The effect strength of the interface is only 5.01%. Financial literacy and financial behavior have a complete intermediary effect (remote intermediary) on the relationship between “financial education and learning effectiveness”.

目 錄
摘 要 i
Abstract ii
致 謝 iv
目 錄 v
表目錄 vii
圖目錄 viii
第一章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 3
第三節 研究流程 4
第二章 文獻探討與建立假說 5
第一節 現金流桌遊 5
第二節 現金流桌遊-邏輯 6
第三節 現金流桌遊-遊戲中模擬現實 10
第四節 現金流桌遊-遊戲目標 11
第五節 現金流桌遊-遊戲活動流程 12
第六節 現金流桌遊道具說明-小生意、大買賣、市場風雲、額外支出 13
第七節 現金流桌遊道具說明-老鼠賽跑圈、快車道 15
第八節 現金流桌遊-填寫資產負債表-抽選職業卡 17
第九節 現金流桌遊-如何進入快車道? 19
第十節 Cash flow 1-2 標準說明 35
第十一節 Banker標準作業流程 47
第十二節 理財教育 51
第十三節 理財素養 52
第十四節 理財行為 53
第十五節 學習成效 54
第十六節 研究構面間之關聯 55
第三章 研究方法與設計 64
第一節 研究架構與假設 64
第二節 研究構面操作性定義與組成題項 66
第三節 資料分析方法 75
第四節 質性研究 79
第四章 實證結果與管理意涵 81
第一節 敘述性統計 81
第二節 因素分析與內部一致性 83
第三節 相關分析 93
第四節 迴歸分析 95
第五節 質性分析與詮釋 104
第五章 研究結論與建議 111
第一節 觀念性改變 111
第二節 問卷資料分析統計 113
第三節 管理意涵 115
第四節 研究建議 117
第五節 研究限制 118
第六節 相關適合桌游推薦 118
參考文獻 119
一、中文文獻 119
二、英文文獻 120
附錄一 (問卷) 125

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