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D00089
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096
調查國民金融知識水準方法、架構及實地調查之研究
Study on the Methodology, Framework and Field Investigation of the National Financial Literacy Survey
1.薛琦
1.Chi Schive
1.台灣金融研訓院
1.Taiwan Academy of Banking and Finance
001,002,003,004
1.台灣金融研訓院
1.Taiwan Academy of Banking and Finance
004
1.行政院金融監督管理委員會
1.Financial Supervisory Commission, Executive Yuan, R.O.C
A.14 計畫執行期間(起):2006-06-01
A.14 計畫執行期間(訖):2007-12-31
A.16 收到日期:2009-08-13
1
台灣地區15歲以上之民眾

1
3000

3000
001
01
C.2 聯絡日期:2009-11-23
2
1.台灣金融研訓院
1.Taiwan Academy of Banking and Finance
1
C.7 資料公開日期:2009-08-13
2
008
1
1
1
2
1
2
3
001
1,2
1.金融知識
2.金融知識教育
3.國民調查
1.Financial Education
2.Financial Literacy
3.National Survery
本研究為國內首次進行之國民金融知識調查,調查採用的抽樣方法是依據台灣人口之結構比例分層隨機取樣,調查對象為台灣地區15 歲以上之民眾,樣本數共計3,000 筆。 問卷針對受訪者對於國民金融知識水準的九種指標(金錢管理、儲蓄、信用管理、理財規劃、保險與風險預防、貸款管理、退休金規劃、投資管理及金融資訊)進行 詢問,並細分為行為(Action)與知識(Knowledge)兩部份,分別衡量其成績。又依照年齡、婚姻狀況及工作狀態,將受訪者分為九種主要分析類 別或群體,以瞭解台灣不同人口類別的國民金融知識水準是否存在顯著差異。 調查結果發現,金融知識最高者為「工作且已婚」群體,其次依序為「工作且未婚」、「預備退休者(Pre-retires)」、「工作且其他婚姻狀況」;金 融知識最低的群體為「高齡人口」。「學生」群體除貸款管理與理財管理兩項指標外,其餘的評估指標均顯示,其金融知識的平均成績均低於全體平均水準,顯示 「學生」群體的金融知識有待加強。 年齡與國民金融知識水準存在顯著相關,除60 歲以上的高齡人口其金融知識最低外,年齡介於「15 至19 歲」的受訪者其金融知識水準也普遍不高,而年齡介於「30 至39 歲」的受訪者其金融知識水準則為最高。 教育程度、個人年收入與家庭年所得與國民金融知識水準也存在顯著相關。隨著教育程度的提高,國民金融知識的水準也越高;個人年收入低者或家庭年收入低者, 金融知識的水準也較低。 調查結果並發現一般受訪者認為業者、主管機關與教育單位應利用「金融業務人員或櫃台人員主動提供」,或經由「電視、新聞、雜誌(含廣告)」等方式,提供金 融知識與資料給予社會大眾。 此外,調查結果也顯示,「家管」、「失業或無力工作」、「高齡人口」、「原住民」此四類群體,在面對金融方面的疑惑時,經常處於不知如何尋求幫助的景況, 相關單位有必要正視此問題,並做適當援助。 配合本次調查結果與金融教育推廣之研究,本研究建議,短期應:1.本調查應於3 年內每年進行調查,以掌握金融知識教育落實之狀況。2.中央應設置單一窗口溝通機制,統合各相關部會以避免資源重置。3.相關政策宣導應尋求更有效之方 式,本調查中與政府推行政策相關的「存款保險」與「個人信用報告」兩組題正確率不高,顯示民眾認知不足,有必要加強宣導。4.學生、老年人口、失業群體、 原住民需要政府更多關注,OECD 歸納金融知識水準與教育程度、社會水準相關,本調查結果亦獲相同結論。中期應建立金融知識課程認證制度,鼓勵金融周邊機構與專業訓練團體常態辦理相關課 程。長期則建議於校園建立金融知識學習之課程,於生 活中盡早學習金融事務,系統性地推動國民金融教育為根本作法。

This is the first undertaken National Financial Literacy Survey in Taiwan with fieldwork on a population of 3,000 Taiwanese aged over 15 years old. The survey data was weighted to random sampling of population structure. The questionnaire is designed according to respondent’s national financial literacy that covers 9 tiers. They are Money Management, Savings, Credit Management, Financial Planning, Insurance and Risk Control, Loan Management, Retirement Planning, Investment Know-How and Financial Information. Of those 9 tiers, they are categorized in two which are Action and Knowledge. The respondents are categorized into 9 cluster groups by age, marital status and occupation to gain a better understanding on whether there are significant differences on the national financial literacy based on the population structure. We discovered the “working and married” cluster accompanied the highest score, follows by “working and single”, “pre-retirees” and “working and divorced” cluster. The cluster scored the lowest is “older ages.” Student cluster, excluding on Loan Management and Financial Planning tires, scored below overall average, showing student cluster is in need of working on their financial knowledge. We also found age is strongly correlated with financial literacy level. Aged over 60 and between 15 and 19 respondents demonstrated below average score while age between 30 and 39 well above the average. Education, personal income and household income are also correlated to financial literacy. Financial literacy advanced as the education level moves up. According to the survey, the lower the personal income, the lower the financial literacy. Most respondents consider employers, government, and educational organizations are responsible to help the public on the financial education through media and publication means, especially for the housewives/househusbands, unemployed, older generation, and aborigine clusters. They often have no channel of finding assistance on their financial knowledge which our government needs to take this subject a serious concern and provides assistance. In accord with the survey and public financial education, we suggest the short-term targets are: 1. in order to know the level of financial literacy and the improvement of financial education, this survey shuld undertake yearly in 3 years, 2.centre government should open a communicating window to avoid duplicating resources; 3. the government promotions of saving insurance and personal credit reports show little accurate rate that government promotion need a more effective way on public financial education; 4. student, older ages, unemployed, and aborigines clusters need more government concern as OEDC conclusion states that financial literacy are strongly related to educational level and social standard, same as our survey result. The mid-term target is to implement financial education licenses program and promote peripheral financial organizations and training agencies offering classes to general public. In the long-term, building a financial education and learning system in schools to allow student building the financial knowledge since early age is the best resolution.

D.16 完成檢誤日期:2010-01-21
D.17 預定釋出日期:2010-01-25
D.18 初次釋出日期:2010-01-25
D.19_1 最新版釋出日期:2010-01-25
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1
1
2
1,1,3
10.6141/TW-SRDA-D00089-1
https://efenci.srda.sinica.edu.tw/webview/index.jsp?object=https://efenci.srda.sinica.edu.tw:80/obj/fStudy/D00089
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