大學生理財素養及其相關因素徑路關係之檢驗   免費試閱

The Path Analysis of Financial Literacy and Other Relative Factors of College Students

本研究以國內10所大學909份大學生理財參與資料為基礎，據以探究影響其變化之「雙親理財教育」、「理財素養」與「理財態度」之徑路關係。利用結構方程模式（SEM）分析發現，「雙親理財教育」中，父母能否在理財知識與技能上給與教導、協助理財，有較大的解釋變異，其會直接而正向影響大學生的「理財素養」與「理財態度」。在大學生理財素養社會化過程中，父母的教導扮演著正向的功效，當學生於家庭中建立正確的知識與態度後，也將正向影響他們未來的理財行為。而大學生的理財素養增加，也可以正確地改善個人理財態度。
在多群組分析中，國立大學學生在「雙親理財教育」的「教導協助理財」參數值較大，私立大學學生在「學生理財態度」的「投資影響生活」參數值較大。不同學校間，學生家長的理財成效不同，學校層次在各潛在變項徑路關係中是有差異的。

This study investigated the path relation among parental financial education, financial literacy, and financial attitude, as based on 909 copies of data on financial participation of students in 10 universities in Taiwan. Structural Equation Models (SEM) analysis found that, in the dimension of parental financial education, whether parents can instruct children in financial knowledge and skills and financial management, are the main constructs of parental financial socialization with better explained variance. Parental financial education has a direct and positive effect on college students’ financial literacy and financial attitude. Because parents’ financial instruction has this positive impact, it will have the same effect on students’ future financial behavior. The increase in college students’ financial literary can also accurately improve personal financial attitude.
In the multi-group analysis, the parameter value of “instruction and assistance in financial management” in the dimension of parental financial education of college students in national universities is larger, while that of “investment-affected life” in the dimension of students’ financial attitude of college students in private universities is larger. There is a difference in parents’ financial management effectiveness among students in different universities. School level has an effect on the path relations of various latent variables.