A Research on Financial Behavior of Middle and High-grade Primary School Students in ChangHua

[[abstract]]It should be seen as a part of personality education. Children’s money matters are not a single independent disciplinary issue, The middle grades of primary school is the most plastic and educational period and, more importantly, a critical period for establishing self-concept and seeking peer recognition, while high-grade students, as adolescents, will face physical and mental development. If children's attitudes and ideas towards money can be understood, it will be able to lead children to have a correct understanding of money, cultivate the correct view of consumption and financial awareness at an early age. Appropriate monetary values should be a must for consumers, an emotional education goal for consumer education, and are also important to understand the children's money attitudes and consumer behavior. In this study, empirical research found that the attitude of primary school students to money is at a low level. From the financial point of view, financial habits and financial behavior scores were low, showing primary school students' financial habits and financial behavior were not yet well developed. In terms of spending, money was mainly used in entertainment and food, followed by supplies, and finally books. As to the relationships between the demographic characteristics and consumption decision-making and financial awareness, the children of different ages and grades showed significant differences in concepts of money with the older and higher-grade children showing more awareness. Different genders showed significant differences in consumption attitudes, with males stressing more on rational consumption compared with females. Gender, age and grade had significant differences in consumption concept, consumption motive and consumption category, financial management habits and financial behavior. The older, the higher and higher-grade the children were, the stronger financial sense they had. In the relationship between money attitudes and financial behavior, there was a significant positive correlation between the money view and whole values of primary school students and their financial management habits and financial behavior. There was no significant correlation between money source and financial management habits and financial behavior. In the relationship between consumption decision-making and financial behavior, there was a significant positive correlation between primary school students' consumption view and financial management habits and financial behavior, and students with rational consumption view had stronger financial management habits and financial behavior. While the consumption motive and consumption direction had significant correlation with their financial management habits and financial behavior