| Abstract: | 本研究旨在探討我國辦理就學貸款大學生在學期間收入、支出、存款等財務狀況，進一步探討不同變項辦理就學貸款大學生在就學期間之財務管理情形。本研究數據來源為2015年由鈕方頤博士擔任主持人之「我國大學生就學期間收入來源、支出及負債情況之調查研究」，篩選其中就學貸款學生樣本2,711份。以SPSS為資料分析工具，採描述性統計，獨立樣本t檢定，單因子變異數分析，對數據進行分析。研究結果如下:
一、辦理就學貸款學生收入平均158,076元，大部分為工讀收入及親屬資助。
二、辦理就學貸款大學生不含學雜費年支出平均為146,976元。有工讀的學生支出較高、四年級的學生支出較高、私立校院學生支出高於公立學校學生。
三、非必要性支出花費較高對象為女性、有工讀學生、私立科大學生、以及在北部就讀大學的學生。
四、辦理就學貸款的大學生，平均存款為31,062元。
五、理財習慣部分辦理就學貸款學生表現尚在中間值之上，投資行為與儲蓄行為則表現不積極。女性理財習慣較差；有工讀學生理財習慣較差；北部地區大學生投資表現較佳；與家人同住的大學生投資及儲蓄表現較佳。
The purpose of this research was to investigate the finances of higher education student loan borrowers in Taiwan, including their income, expenditure, savings and personal financial management style.Data for this study were adapted from Professor Fong-Yee Nyeu (2015)’s study -- Study on the Income, Expenditure and Debt of Higher Education Students in Taiwan. Of the sample, 2,711 were student loan borrowers. The statistical program SPSS 21.0 was employed for data analysis, including descriptive statistics, t-test, and one-way ANOVA. The most significant findings are shown below:
1.The average income of students borrowers is NT158,076 dollars, the bulk of the income came from part-time work and family support.
2.Expenditures of students who took out student loans averaged NT146,976 dollars. Students who worked part-time have higher expenses, seniors have higher expenses, and private higher education students spend more than public higher education students.
3.Students who spend more on unnecessary expenses are: female students, students who work, students who study at private technological and vocational higher education institutions, and students who attend higher education institutions in the northern part of Taiwan.
4.The average savings of student loan borrowers is NTD 31,062.
5.Student loan borrowers have average financial habits, not aggressive in investment and savings. Female students and students who work have poorer financial habits. Students who live in northern Taiwan have more aggressive investment behavior, while students who live with their family have more aggressive investment and savings behavior. |
