美國與臺灣高中理財教育課程之比較研究

A Comparative Study on Financial Curriculum between the U.S. and Taiwan

本研究主要目的是在比較我國與美國高中的理財教育。全文先介紹兩國理財教育的背景脈絡，繼以課程綱要、教材內容闡述兩國的高中理財教育課程內涵。美國部份是選自「個人理財素養聯盟」（Jump$tart Coalition for Personal Financial Literacy）所公佈的課程綱要以及Financial Fitness for Life一書。而臺灣部份是挑選中華民國財金智慧推廣協會制定的課程綱要與行政院金管會發行的《個人理財高中篇》教材。比較結果如下：一、課綱主軸大抵相同，教材同意重視學生練習與思辨；二、美國的課程綱要細目更為詳盡，其教材內容循序漸進、較豐富且更具實用性；三、臺灣課程綱要細○中較少論及經濟學分析方法。而對臺灣理財教育課程的啟發有三：一、必須重新定位課程，可行性與教學策略的研究必需雙管齊下；二、應該設計現實社會可能會面對的金融案例，補足教材的實用性與適切性；三、必須規劃加強專業師資的培訓，彌補現行師資不足

The main purpose of this study is to compare the financial education of senior high schools in the U.S. with that in Taiwan. By comparing the curriculum standard and the teaching materials, we arrived in the following conclusion: 1, The course spindles are basically the same; 2, The curriculum outlines in the United States are more detailed; 3,The standard breakdown in Taiwan rarely mentioned about the economic analysis; 4, The two financial education materials are both emphasized on offering students lots of practice and speculation; 5, The teaching materials in the United States are more practical; 6. The teaching materials of the U.S. financial education are organized more logically and full of variety. As a result, we suggest that Taiwan's financial education curriculum be rethought and set. The current program status is unclear and poorly implemented. Further, the lack of practicality and relevance made the teaching materials less attractive, so they should be designed to be more useful to students; finally, professional teacher training should be enforced.