公立大学学生的理财态度、素养、知识和技能对理财行为的影响

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摘要

大学生被认为是财务不稳定的高风险人群,因为他们更倾向于使用资金来支付教育费用。本研究探讨了计划行为理论、态度(财务态度)、主观规范(财务知识)和感知行为控制(财务知识和技能)对公立大学学生财务管理行为的影响。所有数据都是通过方便抽样法收集的,共向 363 名受访者发放了调查问卷,以检验替代假设。研究结果表明,态度(财务态度)、主观规范(财务素养)和感知行为控制(财务知识和技能)对学生的财务管理行为有积极而显著的影响。因此,本研究可为制定财务管理教学大纲提供有用的信息,尤其是在高等教育中。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Influence of Financial Attitude, Literacy, Knowledge and Skills on Financial Management Behaviour Among Students in Public University
University students are considered a high-risk demographic with financial instability due to a high propensity towards funds to pay for education. This study explored the effects of the theory of planned behaviour; Attitude (financial attitude), Subjective Norms (financial literacy), and Perceived Behavioural Control (financial knowledge and skills) on financial management behaviour among public university students. All data were collected via a convenient sampling method by using a questionnaire with a total of 363 respondents to examine the alternative hypothesis. The results obtained in this study indicated that Attitude (financial attitude), Subjective Norms (financial literacy), and Perceived Behavioural Control (financial knowledge and skills) positively and significantly influenced financial management behaviour among students. As such, this study could be a useful source of information for the creation of a financial management syllabus, especially in higher education.
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