青少年金融知識程度對其金融行為的影響

The Relationship between Adolescent Financial Literacy and Financial Behavior

本文旨在根據金融監督管理委員會 2007；2009 和 2011 年所做的三次國民金融知識調查研究結果，探討青少年金融知識程度對其金融行為的影響。首先，我們實證結果發現，居住都市與家庭年平均所得愈高的青少年，金融知識程度愈高，而且越會主動與頻繁蒐集金融資訊的青少年，金融知識程度明顯也愈高；其次，以報章雜誌、網際網路與電視新聞當作財金資訊來源收集管道的青少年，對其提升金融知識程度的效益最為明顯；最後，Logit迴歸實證模型發現，金融知識程度對青少年的金融行為，包含：記帳的習慣、收支預算的習慣與儲蓄的習慣具有顯著的正向影響，也就是說，金融知識程度越高的青少年，越具備良好的金融行為。

Based on the results of the three national financial survey conducted by Financial Supervisory Commission (FSC) in 2007, 2009 and 2011, this study investigates the relationship between adolescents’ financial literacy and their financial behaviors. Firstly, our empirical findings suggest that physiological characteristics such as living area and fmaily income levels are key factors affecting the the level of adolescents’ financial literacy. In addition, we also find initiative to collect financial information and updated its frequency are also related to the level of adolescents’ financial literacy. Secondly, receiving financial information from newspaper and magazines and the Internet and TV news are both positively related to the level of adolescents’ financial literacy. Finally, this paper uses a logistic regression model to investigate the effects of financial literacy on financial behaviors, like record in books, budgeted revenue and expenditure in balance and deposit money. Our empirical findings suggest that adolescents with a high financial literacy are more likely to have well financial behavior