公、私立學校高中生財經素養之比較：以台北市六間明星高中為例

Abstract

本研究旨在比較公、私立學校高中生的財經素養，並探討其影響因素。以「高中生財經素養問卷」對台北市六間公、私立明星高中學生進行施測，收集相關數據後，透過敘述統計、獨立樣本t檢定、複迴歸分析等方式分析。研究結果如下： 一、在台北市明星高中之間比較，公、私立學校高中生財經素養表現存在顯著差異；公立學校學生財經素養平均分數較佳，分數達頂標比例也較高。 二、在台北市明星高中之間比較，公立學校學生在「收入與資產規劃」、「塑膠貨幣」、「個人信用與借貸」、「風險管理與保險」、「賦稅」、「投資」，六個財經主題的答對率，都高於私立學校學生。 三、台北市明星高中學生的財經素養，與其「接觸財經知識管道」、「就讀年級」顯著相關。 四、影響台北市公立明星高中學生財經素養的重要因素為「金融商品持有狀況」、「家中房屋持有狀況」、「接觸財經知識管道」；影響台北市私立明星高中學生財經素養的重要因素為「未來預期收入」、「接觸財經知識管道」、「家中房屋持有狀況」。 五、對於台北市明星高中學生而言，有刷卡消費習慣、受雇工作經驗、擁有股票或基金、透過多元管道接觸財經知識、家庭年收入較低、在學校課程中接受過財經教育者，財經素養分數有更高比例達到頂標。

The aim of this study is to compare the financial literacy of high school students between public and private schools and explore the factors influencing their financial literacy. The "Financial Literacy Questionnaire for High School Students" was administered to students from six renowned public and private high schools in Taipei. Data collected were analyzed using descriptive statistics, independent samples t-test, and multiple regression analysis.The results of the study are as follows: 1.There were significant differences in the financial literacy of high school students between public and private renowned schools in Taipei. Public school students demonstrated higher average scores and a higher proportion of students reached the top standard. 2.When comparing financial literacy on six topics (Income and Asset Planning, Plastic Money, Personal Credit and Borrowing, Risk Management and Insurance, Taxation, and Investment) between public and private renowned high schools in Taipei, public school students had higher correct answer rates. 3.The financial literacy of students from renowned high schools in Taipei was significantly correlated with their "exposure to financial knowledge sources" and "grade level." 4.The key factors influencing the financial literacy of students from renowned public high schools in Taipei were "financial product ownership status," "homeownership status," and "exposure to financial knowledge sources." For students from renowned private high schools in Taipei, the important factors were "future expected income," "exposure to financial knowledge sources," and "homeownership status." 5.Among students from renowned high schools in Taipei, those with habits of credit card usage, work experience, ownership of stocks or funds, exposure to financial knowledge from multiple sources, lower family income, and having received financial education in school had a higher proportion of top standard financial literacy scores.