父母經濟社會文化地位對子女金融素養之影響

Abstract

本文針對2015年經濟合作暨發展組織(Organisation for Economic Co-operation and Development， OECD) 主辦的學生能力國際評量計劃(the Programme for International Student Assessment，PISA)，進行金融素養評量分析，探討父母經濟社會文化地位對於子女金融素養的影響。本文主要發現，父母經濟社會文化地位對於子女PISA金融素養有顯著的正向影響，且此正向影響的大小會因國家而有所不同；平均每人GDP、GDP成長率或全球創新指數(the Global Innovation Index，GII)愈高，則此正向影響愈大；吉尼指數(GINI index)愈大，則此正向影響越小。

Using the data of financial literacy in PISA (the Programme for International Student Assessment, PISA) coordinated by OECD (Organisation for Economic Co-operation and Development, OECD) in 2015, this thesis analyzes the impact of parents’ economic, social, and cultural status on children’s financial literacy performance. It finds that parents’ economic, social, and cultural status has a positive effect on children’s financial literacy performance, and this positive effect varies in different countries. The positive effect is stronger if a country’s GDP per capita, GDP growth rate, or Global Innovation Index (GII) is higher, and is weaker if a country’s GINI index is higher.