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Selection Determinants in College Students' Financial Tools

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Title: Selection Determinants in College Students' Financial Tools
Language: English
Authors: Huang, Wei-Ting
Source: International Education Studies. 2016 9(2):141-148.
Availability: Canadian Center of Science and Education. 1120 Finch Avenue West Suite 701-309, Toronto, ON M3J 3H7, Canada. Tel: 416-642-2606 Ext 206; Fax: 416-642-2608; e-mail: ies@ccsenet.org; Web site: http://www.ccsenet.org/journal/index.php/es
Peer Reviewed: Y
Page Count: 8
Publication Date: 2016
Document Type: Journal Articles
Reports - Research
Education Level: Higher Education
Postsecondary Education
Descriptors: College Students, Money Management, Financial Services, Selection Criteria, Questionnaires, Opinions, Specialists, Student Attitudes, Community Attitudes, Attitude Measures, Risk Management, Demography, Weighted Scores, Preferences, Selection Tools, Foreign Countries
Geographic Terms: Taiwan
ISSN: 1913-9020
Abstract: Recently, considerable concern has arisen over the complex financial markets, which are inclined to require more individual responsibility. Accordingly, students have to bear more responsibility for their financial management. Nevertheless, in a sluggish economy with high unemployment, the commercial events during the last decade have rendered the transition into financial independence more challenging for social freshmen. In addition, some statistical information has revealed the negative outgrowth that occurred in the wake of student loans and the reduction of beginning salaries. Given the aforementioned hidden risks of finance and the importance of money management, we thus endeavored to investigate the factors students consider when choosing financial tools. For the sake of providing students with information for reference, we delivered a similar questionnaire to professionals in the field. We used the received data to examine the gap between experts' views and students' perceptions and then inferred possible reasons for the comparison results.The AHP serves as the chief instrument for calculating relative importance and weighting the significance of the factors. We sent the questionnaires to 140 college students at National Chiayi University and 20 professionals in the financial field and 20 professionals in financial field. The general results indicate that opinions differ among individual students, and opinions of students are rather different from those of the experts; thus, we propose that financial institutions should take different opinions into consideration when designing their financial products.
Abstractor: As Provided
Number of References: 26
Entry Date: 2016
Accession Number: EJ1090136
Database: ERIC
FullText Text:
  Availability: 0
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  Data: Selection Determinants in College Students' Financial Tools
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  Data: Canadian Center of Science and Education. 1120 Finch Avenue West Suite 701-309, Toronto, ON M3J 3H7, Canada. Tel: 416-642-2606 Ext 206; Fax: 416-642-2608; e-mail: ies@ccsenet.org; Web site: http://www.ccsenet.org/journal/index.php/es
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  Data: <searchLink fieldCode="DE" term="%22College+Students%22">College Students</searchLink><br /><searchLink fieldCode="DE" term="%22Money+Management%22">Money Management</searchLink><br /><searchLink fieldCode="DE" term="%22Financial+Services%22">Financial Services</searchLink><br /><searchLink fieldCode="DE" term="%22Selection+Criteria%22">Selection Criteria</searchLink><br /><searchLink fieldCode="DE" term="%22Questionnaires%22">Questionnaires</searchLink><br /><searchLink fieldCode="DE" term="%22Opinions%22">Opinions</searchLink><br /><searchLink fieldCode="DE" term="%22Specialists%22">Specialists</searchLink><br /><searchLink fieldCode="DE" term="%22Student+Attitudes%22">Student Attitudes</searchLink><br /><searchLink fieldCode="DE" term="%22Community+Attitudes%22">Community Attitudes</searchLink><br /><searchLink fieldCode="DE" term="%22Attitude+Measures%22">Attitude Measures</searchLink><br /><searchLink fieldCode="DE" term="%22Risk+Management%22">Risk Management</searchLink><br /><searchLink fieldCode="DE" term="%22Demography%22">Demography</searchLink><br /><searchLink fieldCode="DE" term="%22Weighted+Scores%22">Weighted Scores</searchLink><br /><searchLink fieldCode="DE" term="%22Preferences%22">Preferences</searchLink><br /><searchLink fieldCode="DE" term="%22Selection+Tools%22">Selection Tools</searchLink><br /><searchLink fieldCode="DE" term="%22Foreign+Countries%22">Foreign Countries</searchLink>
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  Data: <searchLink fieldCode="DE" term="%22Taiwan%22">Taiwan</searchLink>
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  Data: 1913-9020
– Name: Abstract
  Label: Abstract
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  Data: Recently, considerable concern has arisen over the complex financial markets, which are inclined to require more individual responsibility. Accordingly, students have to bear more responsibility for their financial management. Nevertheless, in a sluggish economy with high unemployment, the commercial events during the last decade have rendered the transition into financial independence more challenging for social freshmen. In addition, some statistical information has revealed the negative outgrowth that occurred in the wake of student loans and the reduction of beginning salaries. Given the aforementioned hidden risks of finance and the importance of money management, we thus endeavored to investigate the factors students consider when choosing financial tools. For the sake of providing students with information for reference, we delivered a similar questionnaire to professionals in the field. We used the received data to examine the gap between experts' views and students' perceptions and then inferred possible reasons for the comparison results.The AHP serves as the chief instrument for calculating relative importance and weighting the significance of the factors. We sent the questionnaires to 140 college students at National Chiayi University and 20 professionals in the financial field and 20 professionals in financial field. The general results indicate that opinions differ among individual students, and opinions of students are rather different from those of the experts; thus, we propose that financial institutions should take different opinions into consideration when designing their financial products.
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  Data: 2016
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    Languages:
      – Text: English
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        PageCount: 8
        StartPage: 141
    Subjects:
      – SubjectFull: College Students
        Type: general
      – SubjectFull: Money Management
        Type: general
      – SubjectFull: Financial Services
        Type: general
      – SubjectFull: Selection Criteria
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      – SubjectFull: Questionnaires
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      – SubjectFull: Opinions
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      – SubjectFull: Specialists
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      – SubjectFull: Student Attitudes
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      – SubjectFull: Community Attitudes
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      – SubjectFull: Attitude Measures
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      – SubjectFull: Risk Management
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      – SubjectFull: Demography
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      – SubjectFull: Weighted Scores
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      – SubjectFull: Preferences
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      – SubjectFull: Selection Tools
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      – SubjectFull: Foreign Countries
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      – SubjectFull: Taiwan
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