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論文中文名稱:大專生財務行為的前因與後果─勤勉審慎特質之調節效果 [以論文名稱查詢館藏系統]
論文英文名稱:The Causes and Consequences of Financial Behavior for College Students: Conscientiousness as a Moderator [以論文名稱查詢館藏系統]
院校名稱:臺北科技大學
學院名稱:管理學院
系所名稱:經營管理系碩士班
畢業學年度:102
出版年度:103
中文姓名:吳東霖
英文姓名:Tung-Lin Wu
研究生學號:101578017
學位類別:碩士
語文別:中文
口試日期:2014-05-23
論文頁數:89
指導教授中文名:林鳳儀
口試委員中文名:葉金成;黃瑞傑
中文關鍵詞:財務行為理財素養財務滿意財務困境勤勉審慎特質
英文關鍵詞:Financial LiteracyFinancial SatisfactionFinancial HardshipFinancial BehaviorConscientiousness
論文中文摘要:歷經卡債風暴及金融海嘯的衝擊,台灣政府當局逐漸重視學子在學校教育階段的理財相關教育,本研究欲以大專生之財務行為切入,深入探討影響財務行為之前置因素(理財素養)、後果(財務滿意與財務困境)與其中介效果以及勤勉審慎特質的調節效果。本研究採用問卷調查法,對象涵蓋五專生、雙軌訓練生、大學生、研究生等八個班級的學生,以涵蓋多元層級之受試者,有效問卷共計295份問卷。研究結果顯示,在控制了受試者性別及年齡因素後,大專生的理財素養會影響其財務行為,財務行為也會影響其財務滿意與財務困境,而財務行為的中介效果並未獲得驗證。此外,人格特質中的勤勉審慎特質可以調節理財素養與財務行為之關係,當勤勉審慎性越低時,理財素養對於財務行為的影響較強。最後針對研究結果進行討論,並提出建議,以供未來研究及教育當局參考。
論文英文摘要:After Card Debt Crisis and Financial Crisis, Taiwan government attaches importance to financial issue on school education. This study examines the relationships of financial behavior's antecedent (financial literacy), dependent variables (financial satisfaction and financial hardship), the mediating effect of financial behavior and conscientiousness as a moderator between financial literacy and financial behavior for college students. The research found financial literacy significantly affects financial behavior. And financial behavior affects financial satisfaction positively and reduces financial hardship. Conscientiousness also moderates the relationship between financial literacy and financial behavior. Unfortunately this study can’t prove the mediating effect of financial behavior. The result could provide to education institutions as reference.
論文目次:摘要..................................................................................................................................I
ABSTRACT..................................................................................................................... II
誌謝 ............................................................................................................................... III
目錄 ...............................................................................................................................IV
表目錄 ............................................................................................................................VI
圖目錄...........................................................................................................................VII
第一章緒論...................................................................................................................... 1
1.1研究背景與動機.................................................................................................... 1
1.2 研究目的................................................................................................................ 3
1.3研究限制................................................................................................................ 4
1.4 研究流程................................................................................................................ 5
第二章文獻探討.............................................................................................................. 6
2.1財務行為的定義.................................................................................................... 6
2.2理財素養與財務行為............................................................................................ 7
2.3財務行為與財務滿意.......................................................................................... 14
2.4 理財素養與財務滿意.......................................................................................... 16
2.5財務行為與財務困境.......................................................................................... 17
2.6勤勉審慎特質的調節效果.................................................................................. 19
第三章研究方法 ............................................................................................................ 22
3.1研究架構與假說.................................................................................................. 22
3.2研究對象與抽樣設計.......................................................................................... 23
3.3研究工具.............................................................................................................. 23
3.4資料分析.............................................................................................................. 25
第四章研究結果 ............................................................................................................ 29
4.1人口統計變項之敘述性統計分析...................................................................... 29
4.2 信效度分析.......................................................................................................... 30
4.3相關分析.............................................................................................................. 31
4.4不同人口統計變項在研究變項之差異分析...................................................... 33
4.5迴歸分析.............................................................................................................. 38
第五章 結論與建議 ...................................................................................................... 44
5.1結論...................................................................................................................... 44
5.2研究限制與建議.................................................................................................. 47
5.3管理意涵.............................................................................................................. 48
中文參考文獻 ................................................................................................................ 49
英文參考文獻 ................................................................................................................ 51
v
附錄............................................................................................................................... 59
附錄A CHEN &VOLPE理財認知量表中文化對照─前測版本............................ 59
附錄B CHEN &VOLPE中文化理財認知量表─預試版本.................................... 68
附錄C JUMP$TART個人理財素養量表中文化對照─前測版本.......................... 72
附錄D 正式問卷 ..................................................................................................... 85
論文參考文獻:中文參考文獻
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