高中生金融行為感知控制、金融行為意圖與金融理財行為之徑路分析

Path Analysis of the Relationship between High School Students' Perceptions of Financial Behavioral Control, Financial Behavioral Intentions, and Financial Management Practices

本文研究目的在以計劃行為理論建構一套屬於高中生的金融行為感知控制、金融行為意圖與金融理財行為三者關係的模型。研究結果發現「行為感知控制」對「行為意圖」具有直接正向影響；「行為感知控制」對「理財行為」各觀察變項有直接正向影響；「行為意圖」對「理財行為」不具影響效果，理財自我效能是影響學生產生金融理財行為的關鍵因素。

This study aims to investigate the model of the relationship between high school students' financial behavior perceptual control, financial behavioral intention, and financial management behavior using the Theory of Planned Behavior (TPB). The research findings show that “perceived behavioral control” positively influences both behavioral intention and various observed variables of financial management behavior. While, “behavioral intention” shows no significant impact on “financial management behavior”; instead, financial self-efficacy proves as a crucial factor influencing students' financial management behavior.