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

Abstract

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.