近幾年來，關於金錢態度的相關研究不斷增加，雖然金錢態度越來越受到重視，但是相關的研究仍侷限於西方，這個議題在非西方國家尚未引起關注。然而，全球化的發展及勞動人口的遷移，以及東西方文化的差異，非西方國家的金錢態度的確有探討之價值。目前國內關於金錢態度的研究仍屬少數，且研究多偏向於人口統計變數所造成的差異，本研究除了探討人口統計變數之外，更將人格特質、財務風險容忍度、物質主義及時間導向一起納入，希望藉此能夠較全面性地瞭解影響金錢態度的因素。
本研究以大學生為樣本，採取便利抽樣，共計發放370 份問卷，回收362 份，回收率為97.84％，有效問卷329份，有效回收率為90.88％。
因素分析的結果，在金錢態度的部分萃取出4個因素，分別為品質、焦慮、保留時間、權力名望。
根據研究結果，在人口統計變數的部分，大學生的金錢態度與他們所就讀的學校類型及每月支出之間有顯著關係。在人格特質的部分，除了品質這個因素之外，金錢態度其餘的因素與人格特質間有顯著關係。在物質主義的部分，物質主義與金錢態度之間有顯著關係。當大學生把財物的獲取與擁有視為成功及快樂的來源且是生活的最終目標時，則趨向把金錢視為焦慮的來源及權力名望的象徵，同時也認為金錢可以帶來較有品質的生活。此外，由於把財物獲取視為生活主要目標，所以重視及時行樂，因此比較不會對未來作規劃，金錢態度是比較不保守的。在財務風險容忍度的部分，財務風險容忍度與金錢態度中的焦慮間存在顯著負向關係。時間導向趨向未來導向的人，會對未來作長期性的計畫，比較能夠接受遞延的滿足，所以在金錢態度方面傾向對未來作財務規劃，通常有儲蓄的習慣，且因為把眼光放在長期，比較不會重視一時的權力名望，所以不會把錢視為權力名望的一種象徵。

In recent years, researches about people’s attitudes toward money have been increasing. Although most of extent studies had been conducted in the West, this issue of the meaning of money hasn't come into the spotlight in non-Western context. With rapid globalization and mobility of labor occurring, there is an increasing need to examine and to understand people’s attitudes toward money in non-Western cultures other than those of the West. In Taiwan, there are few studies about money attitudes. Most of them had been focus on the influence of demographic variables. This research will discuss the influences of demographic variables, time orientation, materialism, personality and financial risk tolerance on money attitudes simultaneously.
In this study, college students are research targets for questionnaires. The research uses convenience sampling method. For the 362 received questionnaires of 370 issued, there are 329 effective questionnaires. The effective received rate is 90.88%.
Factor analysis of the money attitudes revealed four dimensions: “quality”, ”anxiety”, “retention-time”, “power-prestige”.
The findings and results of the research were as follows:
(1) There are significant relationships between
school types, monthly expenditures and money
attitudes.
(2) Personality is an influential factor in all the
dimensions except “quality”.
(3) Materialism is a positive influential factor in
the dimensions of “quality”, ”anxiety”,
“power-prestige”, but is a negative
influential factor in “retention-time”.
(4) There is negative relationship between
financial risk tolerance and ”anxiety”.
(5) People with future-time orientation usually
plan for future, get into the habit of saving,
and tend not to view money as symbol of
power-prestige.

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