幼兒的金錢概念、金錢使用能力及其父母金錢教養之影響

The Development of Children's Monetary Concepts and Skills as well as Their Parent's Monetary Practices

本研究旨在瞭解我國幼兒金錢概念、金錢使用能力的發展情形，並檢測父母金錢教養對其幼兒金錢概念、金錢使用能力發展的影響。取202位臺北市公私立幼稚園五歲幼兒及其父母為對象，採問卷調查法收集父母金錢教養資料，另以一對一測試法訪談幼兒。研究結果以SPSS套裝軟體及LISREL8.14線性結構分析，發現：我國五歲幼兒已具備初步的金錢學習能力，能辨認大部分的硬幣、紙幣，也能比較幣值。約半數的受試能於買賣遊戲中正確的付現。徑路分析亦顯示：父母提供直接的金錢學習經驗，如：教幼兒認識錢幣名稱與價值、讓幼兒自己買東西付錢等，有助於幼兒金錢概念與金錢使用能力的發展。

The purposes of this study were to explore the development of children's monetary concepts and skills in Taiwan as well as to examine an exploratory relationships between children's monetary development and their parent's monetary practices. The 262 kindergartners participated in monetary tasks during clinical interview. Each child's father or mother completed monetary home practices questionnaire. The data, analyzed by using SPSS and LISREL8.14, showed that five-year-olds were able to learn money. Most of them identified or named coins and bills very well. They also can compare the value between coins. Almost half of them paid correctly in buying-selling activities. The path model indicated that parental direct experience strategies had a positive impact on kindergartners' acquisition of knowledge of naming coins. Parental consumer decision-making strategies also had a direct effect on kindergartners' naming bills. Other effects among variables were explained in this article.