臺北市高中生父母金錢教育之研究

A Study on High School Students’ Parent Money Education in Taipei City

本研究旨在探討臺北市高中生不同個人及家庭背景變項在知覺父母金錢教育上之差異情形。本研究採問卷調查法，以立意取樣法得有效樣本664份。研究發現高中生知覺父母金錢教育之情況偏低。高中生感受來自母親的金錢教育之情形較父親多。中高社經地位家庭的父親與母親較常與子女討論與溝通金錢議題。教育程度較低之母親較常以金錢做為管教子女的方式。建議父親宜重視自己在子女金錢教育上之角色。社經地位較低的父母宜學習和接觸金融方面之資訊並和子女溝通討論金錢方面之議題。教育程度較低之母親宜避免將金錢做為管教或處罰子女之方式。教育相關單位可舉辦基礎家庭金融理財或父母如何教導子女金錢概念之課程或方案，以便讓基礎金錢教育落實於家庭中。

The purpose of this study is to examine the difference of money education from parents between high school students with different individual and family background. By using survey method and purposive sampling, a total of 664 high school students in Taipei city were obtained. The results showed that high school students feel parents seldom do money education in family. High school students perceived more money education from their mother than their father. Parents discussed more financial issues with their children in higher family socioeconomic status. Mothers with lower level of education tended to use money as reward or punishment while parenting. According to the findings of this study, it is recommended that father should realize the important role in teaching children about financial literacy. Parents from lower family socioeconomic status should learn more about financial information, and discuss related issue of money with children. Moreover, mother with lower level of education should not use money as a tool in parenting. Related educational institutes may develop courses or programs regarding basic family financial management or how parents teach children about the concept of money, in order to establish basic financial education in family.