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研究生: 劉荐宏
Liou, Chien-Hung
論文名稱: 兩岸大學生理財社會化、理財態度、理財意向與理財管理之徑路關係比較研究
The Path Analysis of College Students' Financial Socialization, Attitude, Intention and Financial Management among Taiwan and Hubei
指導教授: 曾永清
Tseng, Yung-Ching
學位類別: 博士
Doctor
系所名稱: 公民教育與活動領導學系
Department of Civic Education and Leadership
論文出版年: 2019
畢業學年度: 107
語文別: 中文
論文頁數: 249
中文關鍵詞: 理財社會化理財態度理財意向理財管理結構方程式模型
英文關鍵詞: Financial socialization, Financial attitudes, Financial intention, Financial management, Structural Equation Modeling
DOI URL: http://doi.org/10.6345/NTNU201900051
論文種類: 學術論文
相關次數: 點閱:279下載:0
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  • 本研究目的在於探究兩岸大學生之理財社會化、理財態度、理財意向與理財管理行為間之關係。主要採用問卷調查法,研究對象則為臺灣、湖北境內之大學在校學生,採用「理財社會化量表」、「理財態度量表」、「理財意向量表」與「理財管理量表」為研究工具。本研究採用之統計方法則有:描述統計分析、獨立樣本t考驗、信度分析、變異數分析、二因子變異數分析、相關分析、驗證性因素分析、結構方程式模型、多群組分析。透過結構方程式模型發現到兩岸大學生在理財態度和理財管理皆受到父母與同儕之影響,其中以父母之影響最明顯;其次,透過多群組分析比較兩岸大學生之路徑關係,發現兩岸大學生在父母理財社會化對理財意向、理財態度對理財意向、父母理財社會化對理財管理等三條路徑上有顯著差異存在。根據研究所得之結果,研究者所歸納出的結論與建議,盼能對往後從事理財教育之教師及實務相關工作者能有新的思考方向。

    This study was aimed to discuss the relationship between the behavior of financial socialization, attitude, intention and management of cross-strait college students from Taiwan and Hubei. The subjects were 1,068 college students from Taiwan and Hubei, China. The study was conducted through a questionnaire survey: The "Financial Socialization Scale", "Financial Attitudes Scale", "Financial Intention Scale" and "Financial Management Scale". The statistical methods used in this study were: description statistics, independent sample t test, reliability analysis, one-way ANOVA, two-way ANOVA, correlation analysis, confirmatory factor analysis, structural equation model and multi-group analysis. First of all, it was discovered through a structural equation model, that the attitude and management styles of cross-strait college students are influenced by peers and, to a greater degree, parents. Second, the data was compared through multi-group analysis of a structural equation model and significant differences were found with the three different paths taken by cross-strait college students: parental financial socialization, and financial intention, parental financial socialization and financial management, and financial attitude and financial intention. Based on the results and the suggestions concluded by the researchers, it is hoped that the teachers and people who work in the financial education field will have a new direction in thinking.

    中文摘要 ii 英文摘要 iii 目錄 iv 圖次 v 表次 vi 第一章 緒論 1 第一節 研究背景與動機 1 第二節 研究目的 8 第三節 待答問題 9 第四節 名詞釋義 10 第五節 研究範圍與限制 12 第二章 文獻探討 15 第一節 理財社會化之探究 15 第二節 計畫行為理論之探究 24 第三節 理財態度之探究 29 第四節 理財意向與管理之探究 35 第三章 研究設計與實施 45 第一節 研究架構 45 第二節 研究方法與步驟 50 第三節 研究對象與抽樣 54 第四節 研究工具 57 第五節 資料分析與處理 86 第四章 研究結果與討論 99 第一節 描述統計與相關分析 99 第二節 差異分析 103 第三節 結構方程式模型 177 第四節 多群組分析 196 第五章 結論與建議 201 第一節 結論 201 第二節 建議 210 參考文獻 214 附錄一 專家問卷 234 附錄二 預試問卷 242 附錄三 正式問卷[繁體版] 244 附錄四 正式問卷[簡體版] 247

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