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    題名: 檢視理財課程之影響力與成效：以女性的第一堂理財課為例
    Examining the Impact and Effectiveness of Investment Courses: A Case Study of Women`s First Investment Course
    作者: 葉小綺
    Yeh, Hsiao-Chi
    貢獻者: 鄭至甫
    Jeng, Jyh-Fu
    葉小綺
    Yeh, Hsiao-Chi
    關鍵詞: 投資理財
    理財教育
    女性的第一堂理財課
    investment & financial management
    financial education
    Women`s first financial management lesson
    日期: 2022
    上傳時間: 2022-08-01 17:36:54 (UTC+8)
    摘要: 　　近年投資理財成為市場顯學，尤其台灣加權指數自2020年4月一路上漲至2022年1月創下歷史新高18619，足足漲了118.5%，每日成交量逾三千億成為習以為常，投資股票儼然成為全民運動，光是20至30歲年輕人就有44%開戶，許多沒有投資觀念的新手、大學生都跟著開戶做當沖，各種股票社團、投資Line群組如雨後春筍地出現，甚至詐騙、吸金不法事件亂象橫生，然而，好景不長，加權指數從2022年1月6日的歷史高點18619點起算，到7月1日（五）收盤的14343點，合計下跌4276點，已將過去一年半的漲幅全部回吐！一夕間股市風雲色變，不僅讓投資老手措手不及，對初入股市的新手而言，更是震撼教育。
    　　不到三年，台股經歷了多頭與空頭市場，如何面對與因應？回歸最根本的就是民眾需要透過理財教育，培養基本的投資理財正確觀念與財商能力，面對大環境能做好風險控管、做出正確判斷與決策。本研究希望運用深度訪談法，以文化大學推廣部2014年迄今開辦的投資理財入門課程：女性的第一堂理財課為研究對象，進行投資理財教育的成效分析與影響力，並提出對個人理財者及理財教育產業的建議，以凸顯理財教育的重要性與實質效果。
    Investment and financial management have become mainstream in the market in recent years. Notably, Taiwan Weighted Index had risen from April 2020 to a record high of 18619 in January 2022, an increase of 118.5%. A daily trading volume of more than 300 billion is normal. Investing in stocks has become something that everyone is doing. Among just those who are 20 to 30 years old, 44% of them have opened an account. Many newbies who have had no investment concept and college students have followed suit to open an account and start day trading. Various stock clubs and investment LINE groups have sprung up, and even illegal incidents like fraud and money-sucking are emerging one after another. However, every day is not Sunday. The weighted index ran from the all-time high of 18,619 on January 6, 2022, to the close of 14,343 on Friday, July 1. A total of 4,276 points had fallen, and all the gained in the past year and a half had reverted. The stock market situation changed overnight, which not only caught investing veterans on the wrong foot but also gave a lesson to newcomers to the stock market.
    Taiwan stocks have experienced a bullish and bearish market in less than three years. How can we face and respond to this situation? Going back to the most fundamental, people need to cultivate correct concepts of investment & financial management and financial quotient ability through financial education. When facing a large environment, people can control risks and make the right judgments and decisions. This research takes Women`s first financial management lesson, an introductory course on investment and financial management held by the school of continuing education at Chinese culture university since 2014, as the research object. Use in-depth interviews to analyze the effectiveness and influence of its investment and financial education, and make suggestions for the person who does the personal finance and the financial education industry to highlight the importance and substantial effect of financial education.
    參考文獻: KPMG安侯建業，《2021臺灣保險業報告》，上網日期2022年5月，檢自：https://home.kpmg/tw/zh/home/insights/2021/10/taiwan-insurance-report-2021.html

    中國信託銀行，《2021女性理財趨勢大調查》，上網日期2021年5月5日，檢自：ttps://www.ctbcholding.com/content/dam/twhoo/file/news/2021/20210505.pdf

    財金智慧教育推廣協會，〈民眾金融素養匱乏 財金教育現況與隱憂〉，上網日期2021年12月30日，檢自：http://www.finlea.org.tw/OnePage.aspx?id=91&sn=810

    金融研訓院，「2020臺灣金融生活調查」，〈台灣人的金融風險抵抗力〉，上網日期2020年10月，檢自：
    https://web.tabf.org.tw/if/materialDetail?catId=3 4(2)：14-21

    林瑀柔，《債務人消債前後之社會傷害研究–以卡債受害人自救會為例》。天主教輔仁大學社會學系，新北市，上網日期2018年10月，檢自：
    https://www.soci.fju.edu.tw/upload/%E6%9E%97%E7%91%80%E6%9F%94%E5%84%AA%E7%A7%80%E5%AD%B8%E5%A3%AB%E8%AB%96%E6%96%87.pdf

    林姿儀，財團法人國家政策研究基金會，國政研究報告〈回顧2005年-2006年之台灣卡債風暴〉，上網日期2018年11月4日，檢自：
    https://www.npf.org.tw/2/3558

    天下文化，〈你現在的存款反映的是你童年時被灌輸的金錢觀〉，上網日期2015年7月28日，檢自：
    https://bookzone.cwgv.com.tw/topic/812

    UBS ，UBS Own Your Worth report，〈UBS Own Your Worth report finds that only 20% of couples participate equally in financial decisions. 〉，上網日期2021年10月。
    取自https://www.ubs.com/us/en/wealth-management/specialized-advice/women-and-finances.html

    張道宜，Cheers雜誌，〈女性為何該積極參與理財？2個理由說明〉，上網日期2019年3月11日，檢自：
    https://www.cheers.com.tw/article/article.action?id=5094258

    富達國際，《2022年全球女性投資理財調查》（Women & Money Survey 2022），上網日期2022年3月31日，檢自：
    https://www.fidelity.com.sg/news-and-insights/women-and-money-survey-2022
    描述: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    108932094
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0108932094
    資料類型: thesis
    DOI: 10.6814/NCCU202200865
    顯示於類別:[經營管理碩士學程EMBA] 學位論文

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