臺灣博碩士論文加值系統

本研究以問卷調查法探討大學生「理財認知」與「理財行為」之關係。並探討「炫耀性消費行為」在「理財認知」與「理財行為」之間是否存在干擾效果。
研究結果發現男生反而比女生更容易有炫耀性消費，不同年級、父母親教育程度及有無零用金皆會造成大學生炫耀性消費行為的差異；理財認知與理財行為方面呈正向關係，顯示大學生擁有的理財認知越高，理財行為也會越好，雖然炫耀性消費與理財行為之關係不顯著，但加入炫耀性消費行為，會削弱「理財認知」及「理財行為」之關係。

The research uses the questionnaire survey to investigate the relationship between financial perception and financial behaviors. Furthermore, the study explores whether the conspicuous consumption would have significant effects on the financial perception and financial behaviors.
The results of the study found that boys are more likely than girls to conspicuous consumption behavior. From the different background variables such as different gender, grade, father and mother education level and with or without pocket gold have signify difference on the conspicuous consumption behavior. There are positive relationship between financial perception and financial behaviors. College students have higher financial perception, financial behavior will be better. Although the relationship between conspicuous consumption and financial behavior is not significant, join the conspicuous consumer behavior, will weaken the financial perception and financial behavior relationships.

摘要 I
Abstract II
致謝 III
目錄 IV
圖表目錄 V
第一章 緒論 1
第一節 研究動機與研究問題 1
第二節 研究目的 4
第三節 章節架構 6
第四節 研究流程 7
第二章 文獻探討 9
第一節 理財認知之理論 9
第二節 理財認知與理財行為的關係 11
第三節 炫耀性消費之理論 12
第四節 個人特質對理財認知及理財行為之影響 13
第三章 研究方法與步驟 14
第一節 研究範圍與資料來源 14
第二節 研究假說 15
第三節 研究變項之操作性定義衡量 16
第四節 研究方法 19
第四章 實證結果 21
第一節 問卷回收情形 21
第二節 基本資料分析 21
第三節 敘述統計分析 23
第四節 信度及效度分析 27
第五節 平均數檢定 30
第六節 單因子多變量變異數分析 32
第七節 迴歸分析 36
第五章 結論與建議 40
第一節 結論 40
第二節 研究限制與建議 42
參考文獻 43
附錄一 受測問卷 48

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