臺灣博碩士論文加值系統

理財的議題一直以來都與我們的生活息息相關，在台灣面臨高齡化的社會下，現代人更需要及早進行理財規劃，因此大學生的理財觀念更顯其重要性，但由於國內相關之研究相當稀少，有鑑於此，本研究之目的欲發展適合評估台灣大學生之理財認知量表，並依此瞭解理財認知的現況，更進而探討影響台灣大學生理財知識程度差異之影響因子，更透過各項影響因子，建構各項理財知識程度的預測模式。
在研究設計中，本文以新竹兩所公私立大學的學生作為研究對象，並以Chen & Volpe於1998年提出之理財認知量表為研究工具，以分層分群的方式進行抽樣。資料蒐集後，本文利用庫李信度來檢視量表之內部一致性，以及驗證性因子分析建構效度與檢測量表之配適情形，再採用t檢定或多因子之變異數分析探索影響大學生理財知識程度的因子，最後以邏輯斯迴歸分析建立理財認知之預測模式。
本研究之建構一份適合評估台灣大學生之理財認知量表，以及建構各項理財知識程度之預測模式。分析台灣大學生的理財知識水準屬低理財知識水準，而大學生在性別、公私立學校、就讀科系、每月可支配金額、積欠卡債等因素於理財認知程度上，有顯著地差異。經由邏輯斯迴歸分析，各項理財認知敏感度為42.22%以上，精確度為50%以上，對整體預測命中率為49.09%以上。

Financial issue has always been very closely related to our daily lives. Currently, Taiwan is expected to face the aging society phenomenon, college students need more early proceed to personal financial plans. To establish the financial concept of college students is so important. According, our purpose in this paper are to study the financial literacy of private management college students in Taiwan and to determine the affect of various demographic and economic socialization factors on financial literacy and to forecast financial literacy level of college students.
In this research design, we use two of the college senior students in Hsin Chu as the objects. The questionnaires in the paper is based on scale which was obtained by Chen & Volpe(1998). The sampling in this study used the method of random sampling of stratify and cluster. After collecting data, we use Kuder-Richardson to test the content consistency. And then we use t-test and ANOVA to test for the effect of various demographic characteristics and economic socialization factors on student’s financial literacy and use logistic regression to forecast financial literacy level of college students.
The main results in the paper are that to study the financial literacy of private management college students in Taiwan and to forecast financial literacy level of college students. The financial literacy of private management college students is in low level. And, most of the demographic characteristics and economic socialization factors were fund be statistically significant differences on financial literacy. Thus, Gender, public or private school, college academy, personal income, debt problem. Use public or private school, college academy to measure financial literacy of college students. Forecast qualified rate is higher 42.22%, forecast unqualified rate is higher 53.85%, all about forecast correct rate is higher 49.09%.

中文摘要…………………………………… ……………………………i
Abstract…………………………………………………………………ii
誌謝……………………………………………………………………….iv
目錄……….……………………………………………………………...v
圖目錄…………… …………………………………………………….vii
表目錄………………… ………………………………………………viii
第一章 緒論…………………………………………………………….1
第二章 文獻探討……………………………………………………….4
2.1理財認知的定義………………………………………………......4
2.2理財認知相關文獻……………………………………………......5
2.3理財認知量表…………………………………………………......7
第三章 研究設計……………………………………………………….9
3.1研究對象與抽樣方法…………………………………………......9
3.2研究工具……………………………………………………....…..9
3.3資料分析工具與方法………………………………………....….12
3.3.1信效度分析…………………………………………….12
3.3.2邏輯斯迴歸分析……………………………………….15
第四章 資料分析……………………………………………………..23
4.1樣本結構分析………………………………………………..…...23
4.2信效度分析…………………………………………………….....26
4.3理財認知現況分析…………………………………………....….27
4.4理財認知在不同大學生屬性之差異性分析……………….…....30
4.5理財認知在不同大學生屬性之多因子分析………………….....36
4.6各項理財認知程度之預測模式……………………………..…...43
4.6.1一般理財認知預測模式…………………………………...44
4.6.2儲蓄與借貸認知預測模式………………………………...47
4.6.3保險認知預測模式……………………………….………..50
4.6.4投資認知預測模式………………………………….……..52
4.6.5整體理財認知預測模式…………………………….……..55
4.6.6比較各項理財認知預測模式之解釋命中率………….…..58
第五章 結論與建議……………………………………………..….58
5.1研究結果………………………………………………….....….59
5.2研究建議……………………………………………….....…….62
5.3研究限制……………………………………………….....…….64
參考文獻………………………………………………….………….…65
附錄一：理財認知問卷………………………………………….....68
附錄二：多因子之變異數分析（兩兩交互作用）表…………….….72

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