理財教育日漸成為國際的重要議題，並且國內理財教育相關機構與研究者強調父母親與師長應及早培育孩子正確的理財觀念與態度。而綜觀國內外理財相關文獻，過去理財態度測驗皆是以紙筆方式的問卷調查法，此方法容易因受試者受到自身或社會期許的影響，或者因為對問卷感到疲勞與無趣而降低答題意願，而無法準確地測量出學生的理財態度。因此本研究之目的在於發展一套理財態度潛藏式診斷測驗，將「遊戲」與「評量」作縝密的結合，使學生能夠將自身完全地融入於評量之中而不自覺，以此測驗國小六年級學生的理財態度情形，並即時的產生理財態度診斷報表給予學生或老師，以提供教師與學生進行理財教學以及教學內容設計之參考。最後，本研究會檢驗此潛藏式診斷測驗的信度與效度。
研究結果發現:（1）理財態度潛藏式診斷測驗之信度Cronbachα係數為 .712；（2）理財態度潛藏式診斷測驗之效度分別為:一、內部診斷正確率為86.94% 二、外部診斷正確率依兩種不同模式驗證，其分別為90.77% 與85.16%；（3）理財態度潛藏式診斷測驗之系統滿意度之平均分數達4.57。

Financial education is becoming an important issue in the world. The financial organizations and researchers have claimed that parents and teachers should help children developing a positive financial attitude in their early childhood. Previous studies on financial research, it usually use traditional assessment (questionnaire) to assess student’s financial attitude. However, students easily get tired or feel bored with this method. Moreover, students will expect themselves to be accepted or respected in the social communities so that they may make the untruthful answers. For these resons ,we can't measure the students’ real attitude.
To solve the problems above, the aim of this research is to develop a financial attitude stealth assessment and provide the diagnostic report immediately for elementary students. Teachers and students can take advantage of the financial attitude diagnostic report to adjust methodology content and do self-learning. At the final step, we’ll examine the assessment’s validity and reliability.
The results show that: (a) the reliability(Cronbachα) of financial attitude stealth assessment is .712 ; (b) the validity of stealth assessment are: 1. The inter-diagnostic accuracy rate is 86.94% ; 2. The outer- diagnostic accuracy rate which working out through different methods are 90.77% and 85.16% separately; (c) the system satisfaction get the average score: 4.57.

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