The Correlational Study of Financial Literacy and Financial Behavior of Junior High School Students in Taipei County.

• Main Authors: Lu Chiu Ping, 呂秋萍
• Other Authors: 曾永清
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/94121959985347848828

碩士 === 國立臺灣師範大學 === 公民教育與活動領導學系在職進修碩士班 === 99 === The purposes of this study were to understand the current financial literacy and financial behavior among junior high school students in Taipei County, and to examine the relationship between financial literacy and financial behavior. The study is conducted with questionnaires designed based on literature review and related empirical studies. The questionnaires were distributed to the junior high school students in Taipei County, and 1,200 valid questionnaires. According to the answers given by the respondents, data were analyzed by using descriptive statistic, t-test, one way ANONA, and Spearman correlation and multiple stepwise regression analysis. Then the collected data were analyzed and discussed. The major findings of this study were summarized as follows: 1. The junior high school students of Taipei County show good sense and positive attitude in financial literacy. 2. The junior high school students of Taipei County display ordinary and medium degree in financial behavior. 3. The variance analysis of students' financial literacy shows that variables such as “gender”, “having their own house”, “working experience”, “father's academic background”, “frequency of reading financial information”, have significant differences in students' financial literacy. 4. The variance analysis of students' financial behavior shows that variables such as “having their own house”, “working experience”, “father's academic background”, “frequency of reading financial information”, have significant differences in students' financial behavior. 5. There is a positive correlation between students' financial literacy and financial behavior, which means the better the students' financial literacy is, the better the students' financial behavior is, and vice versa. 6. Simultaneous multiple stepwise regression analysis indicates that the students' financial literacy has ample explanation to students' financial behavior. All the aspects of students' financial literacy account entirely for 35% of variance, and among them “Income and Money Management” 、“Risk Management and Insurance”、“Financial Responsibility”has the greatest influence.