本研究旨在瞭解時下青少年的金錢態度，並探討家庭社經地位、物質主義與青少年金錢態度的關係。
本研究採用調查法，以問卷行之。以便利抽樣取得高雄市、高雄縣及屏東縣之公私立國中、高中及高職學生為樣本，共21班，發出880份問卷，有效問卷共663份。研究工具係修改國外研究問卷之部分題項而成，問卷內容分為三部分：「基本資料(包含家庭社經地位)」、「金錢態度問卷」、「物質主義傾向問卷」。以 t 考驗、單因子變異數分析、皮爾遜積差相關、多元迴歸進行統計考驗。
研究結果發現：
壹、目前青少年金錢態度為不認為金錢代表權力名望與品質、對金錢不信任及焦慮，能謹慎使用金錢。
貳、男性青少年較女性青少年傾向認為金錢可以代表權力名望。
參、高中職青少年較國中青少年認為金錢代表權力名望、品質以及焦慮的來源，對金錢不信任，不會謹慎使用金錢。
肆、有零用錢之青少年較認為金錢代表權力名望、品質及焦慮的來源，對金錢不信任。
伍、有儲蓄習慣之青少年較不認為金錢代表權力名望及焦慮的來源，較能謹慎使用與規劃金錢。
陸、中高及高家庭社經地位之青少年較低家庭社經地位青少年認為金錢可以換取較佳的品質與服務。
柒、物質主義傾向高者，認為金錢可以代表權力名望及品質，對金錢感到不信任與焦慮，較不能謹慎使用與規劃金錢。
捌、物質主義是預測青少年金錢態度的最佳變項。
最後，根據本研究結果提出建議。

The research aimed at understanding the adolescent money attitude and analyzing the relationship between social economic status, materialism and adolescent money attitude.
The research adopted the questionnaire. The participants chosen at random were high schools students in Kaohsiung city, Kaohsiung county and Pintong county. The questionnaire was adapted from a foreign questionnaire. It consisted of three parts: basic personal data, money attitude questions and materialism questions. The research adopted T test, one way ANOVA, Pearson’s correlation and multiple regression to analyze those data.
The findings were as follows:
1. Most adolescence didn’t regard money as prestige and quality. They didn’t have the sense of security toward money but being anxious for money. Therefore, they were cautious with money.
2. Male adolescence tended to regard money as prestige more than female adolescence.
3. Senior high school adolescence viewed money as the prestige, quality and source of anxiety more than junior high school adolescence. Therefore, they were less cautious with money than junior high school adolescence.
4. Adolescence with allowance regarded money as prestige, quality and source of anxiety more than one who didn’t have allowance.
5. Adolescence who had the habit of saving money viewed money as prestige, quality and source of anxiety less than one who didn’t have the habit of saving money.
6. Adolescence with higher social economic status thought money could change higher quantity and service more than the adolescence with low social economic status.
7. Adolescence with higher materialism was likely to think money represented prestige and quality. They didn’t have the sense of security about money and were anxious for money. Besides, they weren’t cautious with money.
8. Materialism factor predicted adolescent money attitude very well.

目次
摘要…………………………………………………………………………i
目次…………………………………………………………………………iii
表次…………………………………………………………………………iv
圖次…………………………………………………………………………v

第一章 緒論…………………………………………………………………1
第一節 研究動機…………………………………………………………1
第二節 研究目的…………………………………………………………4
第三節 待答問題…………………………………………………………4
第四節 名詞釋義…………………………………………………………5
第二章 文獻探討……………………………………………………………7
第一節 金錢態度意義與相關理論………………………………………7
第二節 金錢態度量表發展與相關研究…………………………………12
第三節 家庭社經地位與金錢態度………………………………………30
第四節 物質主義與金錢態度……………………………………………36
第三章 研究設計與實施……………………………………………………40
第一節 研究架構…………………………………………………………40
第二節 研究假設…………………………………………………………42
第三節 研究對象…………………………………………………………43
第四節 研究工具…………………………………………………………44
第五節 資料處理…………………………………………………………49
第四章 研究結果與討論……………………………………………………51
第一節 樣本基本資料分析………………………………………………51
第二節 青少年金錢態度之差異分析……………………………………54
第三節 家庭社經地位、物質主義與青少年金錢態度之相關分析……63
第四節 青少年金錢態度之預測分析……………………………………69
第五章 結論與建議………………………………………………………....78
第一節 結論……………………………………………………………….78
第二節 建議……………………………………………………………….82

參考文獻……………………………………………………………………...85
附錄一 正式問卷…………………………………………………………...94
附錄二 金錢態度量表預試因素分析結果………………………………98
附錄三 物質主義量表預試因素分析結果………………………………100

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