| Summary: | 碩士 === 國立彰化師範大學 === 企業管理學系國際企業經營管理 === 100 === In recent years, with changes in the international political situation, the financial markets have rapidly changed, resulting in shrinking personal wealth. Wealth management has become an issue receiving great concern from the public. In view of the fact that wealth management can affect the livelihoods of the citizens, and the construction of correct wealth management concepts must start in childhood, under the premise of greater trade interaction between Taiwan and China, the financial literacy and behavior of junior high and elementary school students in Taiwan and China are compared in this study. The findings can serve as a reference for future promotion and reform of wealth management education.
The research results are as follows:
1.Junior high and elementary school students in Taiwan and China have medium to high level of financial literacy, and perform the best in the dimension of “consumption and credit.” Chinese students’ scores are slightly higher than those of Taiwanese students in financial literacy.
2.Junior high and elementary school students in Taiwan and China have medium to high financial behavior, but lower than financial literacy scores, with the best performance in the dimension of “credit and borrowing.” Taiwanese students have slightly higher scores than Chinese students do.
3.Background analysis of junior high and elementary school students in Taiwan and China show that Taiwanese students are higher than Chinese students in terms of highest education of parents and work-study experiences. However, Chinese students are better than Taiwanese students in terms of disposable allowances, savings performance, frequency of reading about finances and economics, accepting financial education, and amount of time accepting informal financial education.
4.The financial literacy of Taiwanese students is slightly lower than that of Chinese students. Taiwanese students only perform better than Chinese students in financial responsibility out of the six items, but perform worse than Chinese students in income and money management, investment strategy, banking and financial services, risk and insurance, and consumption and credit.
5.If junior high and elementary school students in Taiwan and China have good financial behavior performances, they would have better financial literacy in consumption and credit, risk and insurance, and financial responsibility, as well as have correct attitudes. This study shows that student financial literacy has significant explanatory power on financial behavior.
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