理財教育是全球化教育的共同趨勢，其實施經證實能幫助大眾提升經濟邏輯思維，促進經濟的發展與社會的安定，為國家未來奠定紮實的人力資源基礎。此外，近年來國人投資行為日趨熱絡，提升理財教育品質可回應當前市場需求，因應國際情勢快速轉變，令國人可順利與國際金融時代接軌並開拓國際視野。本研究將 AHP層級分析法應用於理財課綱之權重排序，以處理課程綱要專家意見 的量化問題。權重結果中，「擬定個人或家庭理財目標與決策」被廣泛認為最具重要性。學者認為擬定理財目標與決策是理財規劃最基礎與重要的步驟，藉由建立個人與家庭的財務目標，來實現理想生活。若採取精確且系統化的理財課程設計，令人們普遍接受理財教育，可以實現個人理想，提升生活品質，豐富家庭生活的目標，亦可降低整體社會成本，促進經濟成長。

Financial education has become a common global trend in education. Its implementation has been shown to enhance individuals’ economic reasoning, promote economic development and social stability, and lay a solid human capital foundation for national development. In recent years, individual investment activities in Taiwan have become increasingly active. Therefore, improving the quality of financial education can respond to current market needs, help individuals adapt to the rapidly changing international financial environment, and broaden their global financial perspectives. This study aims to develop a proposed financial education curriculum guideline for Taiwan. Drawing on international financial education frameworks and local educational needs, the proposed curriculum consists of seven topics: Spending and Accounting, Income and Employment, Saving and Investment, Credit and Borrowing, Protection and Insurance, Financial Planning, and Financial Landscape. This study further applies the analytic hierarchy process (AHP) to rank the relative weights of the curriculum topics and standards, thereby quantifying expert opinions on curriculum design. The results show that Financial Planning receives the highest weight among the seven curriculum topics. At the curriculum-standard level, “setting personal or household financial goals and making financial decisions” is ranked as the most important criterion. This finding suggests that goal-setting and decision-making are fundamental steps in financial planning. Through precise and systematic financial education, individuals and households may better achieve personal goals, improve quality of life, and enhance financial well-being. At the broader level, financial education may also reduce social costs, promote economic growth, and contribute to long-term social and economic stability.