在台灣面臨高齡化的社會下，現代人更需要及早進行理財規劃，因此大學生的理財觀念更顯其重要性。在研究設計中，本文以T大學的學生作為研究對象，瞭解大學生之理財認知現況，分析不同人口統計變數在理財認知與理財行為上之差異性。 研究結果發現，理財認知在四項人口特性（居住地區、學院別、每月可支配金額及是否申請就學貸款）上有顯著差異；理財行為在六項人口特性（性別、居住地區、學院別、每月可支配金額、是否申請就學貸款及是否欠卡債）上有顯著差異；理財認知會依四項理財行為（投資重點、財務規劃目的、投資工具年報酬率及不含金融機構存款與保險之其他投資）而有顯著差異。 本篇研究結果可提供學校教育輔導、銀行業者之參考依據。 Currently, Taiwan is expected to face the aging society phenomenon, college students need more early proceed to personal financial plans. To establish the financial concept of college students is so important. In the study, this paper T University students as research subjects, to understand the students current financial knowledge situation, analysis of different demographic variables in the financial knowledge and financial behavior of the difference. Study found that Financial Literacy awareness in the four demographic characteristics (location, college , monthly disposable amount and whether to apply for student loans) have significant differences; Financial Behavior in the six demographic characteristics (gender, location, colleges , monthly disposable amount, whether to apply for student loans, and whether credit card debt) have significant differences; Financial Literacy will be by four Financial Behavior (investment priorities, financial planning purposes, investment tools annual rate of return and does not include financial institutions deposit insurance other investments) and a significant difference. The results of this study provide school education and counseling, bankers of the reference.