台中市高中生父母理財教導、理財素養、理財態度與理財行為路徑關係之研究

A Path Analysis of Parents’ Financial Teaching Effects on Children’s Financial Literacy, Attitude and Behavior of High-School Students in Taichung

當前世界各國面臨經濟衰退衝擊，平均薪資調幅偏低的情況，如何有效的運用理財知識是很重要的課題，本研究之實證模式在於解釋高中生在「父母理財教導」下對其理財素養、態度與行為之因果關係。研究發現高中生的「父母理財教導」會直接、間接地影響學生的「理財素養」，並正向影響學生的「理財態度」。而「父母理財教導」經由理財素養或是理財態度的中介變項，影響到「理財行為」，其影響力占總值的82.1%，可見父母雙親經由增強子女的理財相關知識與技能途徑，足以影響子女未來理財行為。多群組分析發現，群組變數上，男女生的測量與結構路徑有顯著差異，學校城鄉位置群組變數則無顯著差異。

Many countries around the world are faced with the impact of economic recession and suffer from the low average wage increase, so how to effectively make use of financial knowledge is a very important issue. The empirical model in this research tries to find out the causal results on senior high school students' parents' financial teaching and its effect on financial literacy, financial attitude and financial behavior. Research results show that ＂parents' financial teaching＂ will directly or indirectly influence senior high school students' ＂financial literacy＂ and positively influence students' ＂financial attitude＂; ＂parents' financial teaching＂ will influence ＂financial behavior＂ through mediating variables of financial literacy or financial attitude, and its influence accounts for 82.1% of the total value, so it can be known that parents can influence children's financial behavior in future through increasing children's financial related knowledge and skills. Multi-group analysis finds that there is significant gender difference in measurement and structural weights, and there is no significant difference on school's urban or rural location.