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第三節 研究建議
由研究結果觀之，財務教育程度之高低的確能夠使行為偏誤降低或消失。因 此，學校教育的確應該更加重視財務教育。除了大學教育以外，甚至可以從國高 中及國小教育開始作起，令年輕學子們提早感受到理財之重要性，亦能因瞭解到 各種行為偏誤之前車之鑑而減少犯錯機率。
此外，由於本研究所採用之財務遊戲，為一次性之遊戲資料，若欲檢視投資 人在隨時間經過所產生之行為較為不易，或許能夠加以改良，使實驗結果有更多 面向可供觀察。
本研究目的係為了檢視財務教育能否導正學子有關投資之概念，避免未來出 社會後犯下前人之行為偏誤，立意良善。本研究最值得探討之議題為，究竟學校 供給之財務教育，能否改善學生需求端之真正投資方面之知識？惟本研究之資料 樣本略嫌不足，但在台灣此方向之研究尚稱稀少，期盼未來研究可針對不足之處，
加以改善或深入。
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牌「正新 CHENG SHIN」及「Maxxis 瑪吉斯」行銷全世界，為一全球佈局之國際 化企業。 等 3C 電子產業之全球最大 eCMMS(E-enabled Components, Modules, Moves &Services)廠。
貨幣政策 財政政策 景氣循環 美股變動
(b) (c) (b) (c)
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10.信義 (其他，代號：9940)
信義房屋仲介股份有限公司主要從事不動產仲介經紀及不動產代銷經紀服務等。
公司經營主要採直營模式展店，範圍涵蓋台北市、新北市、桃園、新竹、台中、
台南及高雄等都會區，為國內首家股票上市的房仲公司。
貨幣政策 財政政策 景氣循環 美股變動
(c) (c) (c) (b)
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附表 D 總體環境
情境 1 情境 2 情境 3 情境 4 情境 5 情境 6 很好 寬鬆貨幣 經常帳增加 石油/美股 稅制大改革 極壞 (a) (b) (c )
機率 機率 機率 機率 機率 機率 貨幣政策
3/6 5/6 0/6 2/6 2/6 1/6 利率調降 +1 +2 +3
2/6 1/6 4/6 2/6 2/6 2/6 利率不變
1/6 0/6 2/6 2/6 2/6 3/6 利率調升 -1 -2 -3
財政政策
5/6 3/6 3/6 2/6 3/6 0/6 調降營業稅 +1 +2 +3
1/6 3/6 3/6 2/6 1/6 4/6 微升證交稅 -1 -2 -3
0/6 0/6 0/6 2/6 2/6 2/6 課徵證交稅 -2 -4 -6
景氣循環
3/6 3/6 4/6 2/6 2/6 1/6 出口金額成長率大增 +1 +2 +3 2/6 2/6 2/6 2/6 2/6 2/6 景氣燈號由紅黃轉為綠燈 -1 -2 -3 1/6 1/6 0/6 2/6 2/6 3/6 失業率大幅上升 -2 -4 -6
美股變動
4/6 3/6 3/6 1/6 3/6 0/6 NASDAQ 大漲 +1 +2 +3 2/6 3/6 3/6 2/6 3/6 4/6 北海布蘭特原油上漲 -1 -2 -3 0/6 0/6 0/6 3/6 0/6 2/6 紐約股市大崩盤 -2 -4 -6
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