大學生理財社會化之分析：父母與同儕的影響   免費試閱

Financial Socialization of College Students: Effects of Parents and Peers

由於全球經濟變化，政府與學者開始關心理財行為的議題，發現青年人的理財態度與理財行為，是透過社會化單位學習得來，父母能夠教導年輕人關於用錢、消費與儲蓄關係，投資前取得充分資訊與使用各種金融服務，朋友同儕亦是影響理財知識與態度的因素。本研究利用問卷方法取得資料，發現「父母協助理財」的觀察指標，是父母理財社會化的最佳指標。「學習父母理財」會影響學生的「理財素養」與「理財行為意向」，不會影響大學生的「理財態度」。在同儕朋友中，「學習同儕理財」負向影響大學生「理財素養」，不影響其「理財態度」。多群組研究發現，於「學習父母理財」對「理財素養」上，父母為高社經地位的大學生高於父母為中、低社經地位的大學生。「學習同儕理財」對「理財素養」的影響，父母為中、低社經地位的大學生比父母為高社經地位的大學生高。

In recent years there has been growing interest among governments and educators about improving financial knowledge and behavior due to concerns over the global economy. Research suggests that most financial attitude and behavior is learned through the influence of socialization agents during the adolescent years. Parents are probably the most instrumental in teaching young people the basic rational aspects of money, such as handling money wisely, understanding consumption-saving relationships, obtaining appropriate information before investment, and properly accessing financial services, and peers tend to have the same influence. This study used a survey to collect quantitative data, results show that parental assistance with financial matters is the best indicator of financial socialization. The construct financial-learning-from- parents can affect college students’ financial literacy and financial behavior intention, but do not have direct effect on students’ financial attitude. Peers had negative influence on financial literacy of students, but showed no effect on financial attitude. Regarding the impact of financial-learning-from-parents on students’ financial literacy, multiple-group analysis shows that students from high-SES households are higher than those from middle and low- SES households; while considering the impact of the construct financial-learning- from-peers on these financial literacy, result shows the contrary effect.