中高齡者金融素養與金融教育需求之研究－以社區大學學員為例
曾柏儒、陳毓璟
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中文摘要 隨著人口老化趨勢加劇，台灣將於2025年邁入超高齡社會，對社會與經濟帶來深遠影響。中高齡者的經濟安全日益受到關注，尤其在就業、市場理解及財務管理方面。研究指出，台灣中高齡者普遍缺乏金融知識，影響其財務決策與生活品質。本研究以社區大學中高齡學員為對象，探討其金融素養現況與金融教育需求，分析其在金融知識、態度與行為三面向的表現及人口變項影響。結果發現，學員金融知識表現最佳，態度相對較弱；提升知識與行為可有效促進整體金融素養。進一步分析顯示，學員教育程度與婚姻狀況會影響其金融知識；金融態度則不受人口背景變項影響；金融行為則與其就業狀態及月收入相關。在金融教育需求方面，學員多關注退休規劃與投資理財等課程，並偏好多元且彈性的學習方式。研究最後針對中高齡金融素養提升、教育課程設計及後續研究方向提出具體建議。
關鍵字：社區大學、中高齡者、金融素養、金融教育、經濟安全
文章建立時間：2025-06-04
引用格式(APA)：
曾柏儒、陳毓璟(2025)。 中高齡者金融素養與金融教育需求之研究－以社區大學學員為例。
福祉科技與服務管理學刊， 13(1)， 1-21。
Financial Literacy and Financial Education Needs of Middle-aged and Elderly Learners: A Study on Community College Students
Zeng, B.-R., Chen, Y-C.
English Abstract With the intensification of global population aging, Taiwan is also set to enter a super-aged society by 2025, which will have profound impacts on social structure and economic development. The economic security issues of middle-aged and older adults are becoming increasingly prominent, especially in terms of the labor market, social welfare systems, and personal financial management. Research indicates that financial literacy among Taiwanese citizens is generally low, particularly among middle-aged and older adults, who lack sufficient knowledge about financial markets, products, and services. This directly affects their economic security and quality of life.
This study aims to explore the current state of financial literacy and the demand for financial education among middle-aged and older students in community universities. It examines their financial literacy across three dimensions: financial knowledge, financial attitudes, and financial behaviors, and analyzes the impact of demographic variables on their financial literacy. The results show that middle-aged and older students perform best in financial knowledge and relatively poorly in financial attitudes, with improvements in financial knowledge and financial behaviors having the greatest impact on overall financial literacy.
The study finds that the financial knowledge of middle-aged and older students varies by education level and marital status, while financial attitudes do not differ significantly when controlling background variables. Financial behaviors, however, vary according to employment status and monthly income. Additionally, the demand for types of financial education courses among middle-aged and older students is concentrated on retirement planning and investment management, indicating that financial education is crucial for enhancing their economic security and quality of life. The preferences for learning methods are relatively balanced, showing a tendency towards diversified learning times and methods.
Based on the research results, this study provides relevant suggestions for improving financial literacy and education for middle-aged and older students and outlines directions for future research.Keywords：community university, middle-aged and older adults, financial literacy, financial education, economic security