研究生: |
鐘太宏 Chung, Tai-Hung |
---|---|
論文名稱: |
高中教師人格特質與理財行為關係之研究 The Correlational Study of Personal Traits and Financial Behavior of senior high school teachers |
指導教授: |
曾永清
Tseng, Yung-Ching |
學位類別: |
碩士 Master |
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: | 2016 |
畢業學年度: | 104 |
語文別: | 中文 |
論文頁數: | 79 |
中文關鍵詞: | 人格特質 、理財行為 |
英文關鍵詞: | Personal traits, Financial behaviors |
DOI URL: | https://doi.org/10.6345/NTNU202204702 |
論文種類: | 學術論文 |
相關次數: | 點閱:158 下載:29 |
分享至: |
查詢本校圖書館目錄 查詢臺灣博碩士論文知識加值系統 勘誤回報 |
本研究旨在探討高中教師個人人格特質與理財行為的關係,以做為日後高中教師理財素養之專業成長、教師理財教學態度與理財教育課程規畫等相關研究之參考。本研究採用學者曾永清2014年科技部「高中理財教育課程綱要決策性建構—多層級評價與教師教學態度思考」研究案B卷作為研究工具,進行問卷調查研究,其研究母群體為高中教師。調查所得資料以SPSS 22.0電腦統計套裝軟體進行描述統計、T考驗、單因子變異數分析與事後多重比較、皮爾森相關、典型相關等量化方法處理分析。本研究結果敘述如下:
一、高中教師人格特質以「嚴謹性」特質最為凸出。
二、高中教師人格特質各向度間有相關性存在,神經質與開放性、外向性呈負相關。
三、高中教師理財行為以「信用借貸」理財行為得分最高。
四、高中教師理財行為各向度間有相關性存在,且彼此呈正相關。
五、高中教師人格特質與理財行為二者之間具有相關性存在,人格特質愈具正向,其理財行為之決策與表現越正確。
六、不同背景變項高中教師在理財行為部分向度有顯著差異,男性在「收支平衡」、「信用借貸」、「財務規劃」、「儲蓄投資」四向度正向理財行為優於女性。理財專業課程的修習越多者在「收支平衡」、「保險與風險」、「儲蓄投資」三向度愈具正向理財行為。
七、高中教師人格特質與理財行為有典型相關,愈具「嚴謹性」人格特質愈能做出好的「財務規劃」;愈具「神經質」人格特質愈不會從事理財行為。
This study aimed to explore the relationship between personality traits and financial management behaviors of senior high school teachers in order to provide future reference to related research on the professional growth, teaching attitude, and curriculum planning in financial management education for senior high school teachers. A questionnaire survey method was adopted in this study, usinghigh school teachers as the study population. The computer statistical software package, SPSS 22.0, was used to perform various quantitative analyses, such as descriptive statistics, T-test, single factor analysis of variance, post hoc multiple comparisons, Pearson correlations, and canonical correlation analysis.
The results are described as follows:
1. “Being prudent” was found to be the most prominent personal trait among the
senior high school teachers.
2. All dimensions of senior high school teachers' personal traits were found to
correlate with one another. Neuroticism was found to correlate negatively with
opennessand extraversion.
3. In terms of financial management behaviors, the category of "credit loans" showed
the highest score among the senior high school teachers.
4. All dimensions of financial management behaviors among the senior high teachers
were found to correlate with one another positively.
5. Senior high school teachers' personal traits were found to correlate with their
financial management behaviors. The more positive the personal traits of the
teachers, the more accurate the strategies and performance of their financial
management.
6. Senior high school teachers with different backgrounds showed significant
differencesin their financial management behaviors. Male teachers performed better
than female teachers in four positive financial management behaviors: balanced budget, credit borrowing, financial planning, and savings&investment. Teachers who took more financial management classes showed more positive financial management behaviors in balanced budget, insurance &risk, and savings&investment.
7. A typical correlation was observed between the personal traits and the financial
management behaviors in the senior high school teachers. Teachers who had more
prudent traits performed better in financial planning, whereas teachers who
possessed more neurotictraits performed worse in financial management.
一、中文書目
王佳茹(2013)。人格特質、內外控信念、人際關係與劇校生幸福感及學業成就表現關係之研究(未出版之碩士論文)。國立政治大學,台北市。
王芳醴(2015)。台中市高中生父母理財教導、理財素養、 理財態度與理財行為路徑關係之研究(博士論文)。取自http://etds.lib.ntnu.edu.tw/cgi-bin/gs32/gsweb.cgi?o=dstdcdr&s=id=%22G0896070049%22.&searchmode=basic
行政院金融管理委員(2008)。國民金融知識調查。2010年2月1日,取自學術調查研究資料庫。http://survey.sinica.edu.tw。
余昭(1989)。人格心理學。台北:三民。
吳明隆(2008)。論文寫作與量化研究。台北市:五南。
吳武典(1977)。制握信念與學業成就、自我概念、社會互動之關係及其改變技
術。師大教育研究所集刊,19,163-178。
呂秋萍(2011)。台北縣國中學生理財素養與行為之相關研究(碩士論文)。取自http://etds.lib.ntnu.edu.tw/cgi-bin/gs32/gsweb.cgi?o=dstdcdr&s=id=%22GN0597071223%22.&searchmode=basic
周惠莉(2003)。五大人格特質, 性別角色與轉換型領導關聯性之研究。未出版碩士論文, 中原大學,桃園市。
林欽榮(2002)。人力資源管理。台北:揚智文化。
邱明真(2004)。金融理財專員之核心能力, 人格特質與工作績效之相關研究─ 以C 銀行為例。國立中央大學圖書館。取自http://ir.lib.ncu.edu.tw/handle/987654321/10631
施啓文、張怡筠(2000)。台灣投資人之人格特質及其投資獲利與生活滿意度之相關研究。取自http://people.dyu.edu.tw/paper/9219691_c.pdf
洪有義(1978)。肢體殘障學生內外控制信念之研究。教育心理學報,11,113-121。
洪瑞禧(2009)。綜合高中學生金錢態度之研究─以大臺北地區為例。http://handle.ncl.edu.tw/11296/ndltd/29076873159161912831
胡立霞(2000)。國小教師教學視導風格選擇取向與教師人格特質相關研究(未出版之碩士論文)。 國立臺北教育大學,台北市。
徐寶聲(2006)。留德、法之中國大學生人格特質、價值觀、生活型態及消費行為之研究(未出版之論文)。銘傳大學,台北市。
婦女救援基會(2011)。46%國中生:老師談理財勝電視http://www.twrf.org.tw/d_s/index_report.html
張春興(1989)。張氏心理學辭典。台北: 東華。
張春興(2001)。教育心理學。台北:東華。
張春興(2009)。現代心理學。台北:東華。
張瓊嬌,杜佳錞、陳美伶與黃棠翌(2011)。理財知識、金錢態度與個人特質對消費者理財行為之影響。萬能學報,16,161-174
許雅婷(2012)。花蓮縣公立高中職教師人格特質、風險態度與金融理財工具偏好之研究。國立彰化師範大學,未出版,彰化市。
郭欣易(2000)。人格特質與激勵偏好、工作態度、工作表現之相關性研究。未出版之碩士論文。世新大學,台北市。
郭泓伶(2015)。大學生的理財素養與理財行為關係之研究(未出版之碩士論文)。國立台灣師範大學,台北市。
彭盈潔(2012)。五大人格特質量表之效度驗證-以某遊戲公司為例(未出版之碩士論文)。中央大學,桃園市。
曾永清 (2015)。教育程度、家庭所得對理財知識與理財行為路徑模式之探究。高雄師大學報:教育與社會科學類,(38),49-68。
曾永清(2013)。大學生理財素養及其相關因素徑路關係之檢驗。高等教育,6(8),1-29。
曾永清、呂秋萍。(2014)。父母理財教導對國中生理財素養與理財行為關係之研究。公民教育與活動領導學報, (23),139-172。
黃美筠(2008)。理財教育融入中小學課程的必要性---由其重要性與課程內涵析論之。公民訓育學報,19,25-54。
黃堅厚(2002)。人格心理學。台北:心理。
楊美怡(2002)。人格特質、價值觀與生活型態對後現代主義消費行為影響之研究:三個世代之比較研究。義守大學管理研究所碩士論文。取自http://ir.lib.isu.edu.tw/handle/987654321/6562
楊國樞(1989)。心理學。台北:台灣商務印書館。
楊雅帆(2009)。國小學生家長金錢態度、人格特質與其家庭理財之研究(未出版之碩士論文)。國立嘉義大學,嘉義市。
葛樹人(1988)。心理測驗。台北:桂冠圖書。
維基百科(2015)。取自https://zh.wikipedia.org/wiki/%E8%A8%88%E7%95%AB%E8%A1%8C%E7%82%BA%E7%90%86%E8%AB%96
劉孝卿(2013)。臺北市高中教師人格特質與理財素養之相關研究(未出版之碩士論文)。台灣師範大學,台北。
蔣世平(2010)。共同基金投資人人格特質對投資行為影響之研究(未出版之碩士論文)。臺灣大學,台北市。
鄭俊英(2008)。理財人員人格特質與工作績效之關聯性以A 銀行為例(未出版之碩士論文)。逢甲大學,台中。
蕭郁瑩(2013)。高中個人理財教育教師教學準備模式之探究。未出版之碩士論文。臺灣師範大學,台北。
鍾立薇(2007)。金錢態度以及風險容忍度對理財行為的影響(未出版碩士論文)。私立世新大學財務金融學研究所,台北市。
魏子翔(2012)。中小學教師人格特質與生活型態對年金保險購買行為影響之研究。逢甲大學(未出版之碩士論文),台中。
二、外文書目
Ajzen, I. (1985). From intentions to actions: A theory of planned behavior . 11-39. Springer Berlin Heidelberg.
Ajzen, I. (1991). The theory of planned behavior. Organizational behavior and human decision processes, 50(2), 179-211.
Allport, G. W. (1929). The composition of political attitudes. American Journal of Sociology, 220-238.
Allport, G. W. (1937). Personality (pp. 173-181). New York: Holt.
Allport, G. W. (1961). Pattern and growth in personality. Oxford, England: Holt, Reinhart & Winston. xiv 593.
Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy.
Borden, L. M., Lee, S., Serido, J., & Collins, D. (2008). Changing college students’s financial knowledge, attitudes, and behavior through seminar participation. Journal of Family and Economic Issues, 29(1), 23-40.
Braunstein, S., & Welch, C. (2002). Financial literacy: An overview of practice, research, and policy. Fed. Res. Bull., 88, 445.
Carswell, A. T. (2009). Does housing counseling change consumer financial behaviors? Evidence from Philadelphia. Journal of Family and Economic Issues,30(4), 339-356.
Cattell, R. B. (1965). A biometrics invited paper. Factor analysis: An introduction to essentials I. The purpose and underlying models. Biometrics, 190-215.
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial services review, 7(2), 107-128.
Clark, R. L., & d'Ambrosio, M. (2003). Financial education and retirement savings. Available at SSRN 390642.
Coleman, L. (2007). Risk and decision making by finance executives: a survey study. International Journal of Managerial Finance, 3(1), 108-124.
Collins, J. M. (2007). Exploring the design of financial counseling for mortgage borrowers in default. Journal of Family and Economic Issues, 28(2), 207-226.
Corsini, Raymond J. (1994). Ordinary resurrections: Encyclopedia of psychology.
New York: Wiley.
Costa P T., & McCrae R R.( 1992), The Introduction of the Five-Factor Model and Its Application, Journal of Personality, 60,175-215.
Costa, P. T., Jr. & McCrae, R. R., (1985). Updating Normandy adequate taxonomy intelligence and personality dimensional natural language and in questionnaires. Journal of Personality and Social Psychology, 49, 710-721.
Costa, P. T., Jr., & McCrae, R. R. (1980). Still stable after all these years: Personality as a key to some issues in adulthood and old age. In P. B. Baltes & O. G. Brim, Jr. (Eds.), Life span development and behavior, 3, 65-102. New York: Academic Press
Costa, P. T.,&; McCrae, R. R. (1989).The structure of interpersonal traits: Wiggins's circumplex and the five-factor model. Journal of Personality and Social Psychology, 56(4), 586-595.
Costa, P. T.,&; McCrae, R. R.(1986).Evaluation comprehensiveness is personality systems: The California Q-set and the five-factor model. Journal of personality,54,430-446.,430-446.
Day, D. V., & Silverman, S. B. (1989). Personality and job performance: Evidence of incremental validity. Personnel Psychology, 42(1), 25-36.
Eysenck, H. J., & Eysenck, S. B. G. (1975). Manual of the Eysenck Personality Questionnaire (junior and adult). Hodder and Stoughton.
Eysenck, H.J. (1947). Dimensions of personality. London: K. Paul, Trench, Trubner.
FINRA Investor Education Foundation(2014). The Financial Capability of Young Adults-A Generational View. Retrieved from http://www.finrafoundation.org/web/grpups/sai/@sai/dpci,emts/sai_original_cpmtemt/p457507.pdf
Friedman, M., & Rosenman, R. H. (1974). Type A behavior and your heart. New York: Knopf.
Goldberg, L. R. (1992). The development of markers for the Big Five factor structure. Psychological Assessment, 4, 26–42.
Grable, J. E., PARK, J. Y., & Joo, S. H. (2009). Explaining financial management behavior for Koreans living in the United States. Journal of Consumer Affairs, 43(1), 80-107.
Harden, D.M.(2008). The five factor madel of personality and leisure experience. Unpublished master’s thesis, University of California State, Fulerton, California.
Hilgert, M. A., Hogarth, J. M., & Beverly, S. G. (2003). Household financial management: The connection between knowledge and behavior. Fed. Res. Bull., 89, 309.
Hira, Tahira K., and Cäzilia Loibla.(2005). Understanding the Impact of Employer-Provided Financial Education on Workplace Satisfaction. Summer, 39, 1.
Hung, A., Parker, A. M., & Yoong, J. (2009). Defining and measuring financial literacy. RAND Working Paper Series WR-708. Retrieved from http://ssrn.com/abstract=1498674
Jones, J. E. (2005). College students’ knowledge and use of credit. Financial Counseling and Planning, 16(2), 9-16.
Jump$tart Coalition for Personal Finanical Literacy.(2007). National Standards in K-12 Personal Finance Education with Benchmarks, Knowledge Statements, and Glossary. 3rd Edition.Washington, DC: Jump$tart Coalition .Retrieved from
Jump$tart Coalition for Personal Finanical Literacy.(2015). National Standards in K-12 Personal Finance Education with Benchmarks, Knowledge Statements, and Glossary. 4rd Edition.Washington, DC: Jump$tart Coalition .Retrieved from http://www.jumpstartcoalition.org/assets/files/2015_NationalStandardsBook.pdf
Kelly, R. T.(1984). A Cross-Nation Validation Study Toward the Development of a Selection Battery for Research and Development Professional Employees. IEEE Transactions on Engineering Management, 4 ,162-165.
Lo, A. W., Repin, D. V., & Steenbarger, B. N. (2005). Fear and greed in financial markets: A clinical study of day-traders (No. w11243). National Bureau of Economic Research.
Lusardi, A., & Mitchell, O. S. (2007). Baby boomer retirement security: The roles of planning, financial literacy, and housing wealth. Journal of monetary Economics, 54(1), 205-224.
Lusardi, A., Van Rooij, M., & Alessie, R. (2007). Financial literacy and stock market participation. NBER working paper, 13565(2007), 162.
Mandell, L. (2006). Financial literacy: Improving education results of the 2006 national Jump$tart survey. Washington, DC: Jumpstart Coalition
Mayfield Cliff, Perdue Grady, Wooten Kevin ( 2008 ). Investment management and personality type. The Journal of Financial Services Review, 17, 219-236.
National Financial Educatiors Council(2015). Financial Literacy Curriculum & Presentations– All Ages: Kids, Teens, and Adults. Rerrieved from http://www.financialeducatorscouncil.org/financial-literacy-curriculum/
O’Neill, B. (2002). Twelve key components of financial wellness. Journal of Family and Consumer Sciences, 94, 53-58.
O’Neill, B., & Xiao, J. J. (2003). Financial fitness quiz: A tool for analyzing financial behavior.Consumer Interests Annual,49, 1-3.
Organization for Economics Co-Operation and Development (2005), Improving Financial Literacy: Analysis of Issues and Policies, Paris, France
Perry, V. G., & Morris, M. D. (2005). Who is in control? The role of self‐perception, knowledge, and income in explaining consumer financial behavior.Journal of Consumer Affairs, 39(2), 299-313.
Robb, C. A., & Sharpe, D. L. (2009). Effect of personal financial knowledge on college students’ credit card behavior. Journal of Financial Counseling and Planning, 20(1).
Rotter, J. B. (1966). Generalized expectancies for internal versus external control of reinforcement. Psychological monographs: General and applied,80(1), 1.
Rotter, J. B. (1966). Generalized expectancies for internal versus external control of reinforcement. Psychological monographs: General and applied, 80(1), 1-28.
Rotter, J. B. (1975). Some problems and misconceptions related to the construct of internal versus external control of reinforcement. Journal of consulting and clinical psychology, 43(1), 56-67.
Saucier, G.(1994). Mini-markers :A brief version of Goldberg’s unipolar Big-Five Makers. Journal of Personality Assessment, 63(3), 506-516.
Schultz, D., & Schultz, S. E. (1998). Theories of Personality. Stamford, Connecticut: Thomson Learning.
Scot, M., & Mitchell, J. (1972). The development of a money-handling inventory. Personality and Individual Differences, 17, 147-152.
Thoresen, C. E., & Low, K. G. (1990). Women and the Type A behavior pattern: Review and commentary. Journal of Social Behavior & Personality, 5(1),117-133.
Treasury, H. M. (2007). Financial Capability: The Government\'s long-term approach.
Van Rooij, M., Lusardi, A., & Alessie, R. (2011). Financial literacy and stock market participation. Journal of Financial Economics, 101(2), 449-472.
Wang, L., Lu, W., & Malhotra, N. K. (2011). Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China. Journal of economic psychology, 32(1), 179-193.
Xiao, J. J. (2008). Applying behavior theories to financial behavior. In Handbook of consumer finance research . Springer New York, 69-81.