國小正式教師與代理教師理財認知、理財行為 及退休規劃差異之研究-以雲林縣國小教師為例

The Research of Formal and Acting Teathers’ Conception of Wealth Management、Retirement Plan and Financial Behavior of Elementary School Formal and Acting Teathers’in Yunlin

林玲娟(Ling - Chuan Lin)

指導教授 ： 吳建臺

國立虎尾科技大學/管理學院/經營管理研究所在職專班/碩士(2015年)

摘要

本研究藉由了解雲林縣國小正式教師與代理教師的理財認知、理財行為及退休規劃現況，來探討理財認知、理財行為對退休規劃之影響。透過SPSS 18.0 軟體統計分析及問卷調查法的方式進行研究，結果歸納如下：
一、雲林縣國小正式教師與代理教師對理財認知觀念正向。
二、雲林縣國小正式教師與代理教師對退休規劃，在「資金運用的方法」構面比「退休生活的安排」構面上，其態度較為積極。
三、雲林縣國小正式教師與代理教師整體理財行為屬於平均中等。
四、雲林縣國小正式教師與代理教師理財認知與理財行為相互間之關係：在「對理財的了解程度」構面及「對投資報酬的了解程度」構面上，與「投資組合的配置」構面及「資金投資的能力」構面上有顯著相關。
五、雲林縣國小正式教師與代理教師退休規劃與理財行為相互間之關係：在「退休生活的安排」構面與「資金投資的能力」構面上沒有顯著相關，其餘皆有顯著相關。
六、雲林縣國小正式教師與代理教師理財認知、理財行為與退休規劃三者間之關係，只有退休規劃與理財行為整體之間有顯著相關。

關鍵字

理財認知 ； 退休規劃 ； 理財行為

並列摘要

This research is to investigate current status of formal and acting teathers’ conception of wealth management, financial behavior and plan of retirement to understand the effect of conception of wealth management, financial behavior to plan of retirement. This research uses the SPSS18.0 software statistical analysis and questionnaire. the following is the conclusion.
1.The formal and acting formal and acting teathers’ in the elementary school in Yunlin county have positive conception of wealth management.
2.The formal and acting formal and acting teathers’in the elementary school in Yunlin county are more active in wealth management than plan of retirement after retirement.
3. The formal and acting formal and acting teathers’ in the elementary school in Yunlin county have moderate wealth management.
4. The relationship between conception of wealth management and financial behavior of formal and acting formal and acting teathers’ in the elementary school in Yunlin county have a lot to do with “level of understanding of wealth management” ”level of understanding of return on investment” “portfolio configuration” “ability of investment” the four factors.
5. The relationship between plan after retirement and financial behavior have little to do with “arrangement of retirement” and “ability of investment” of formal and acting formal and acting teathers’ in the elementary school in Yunlin county. However, the other factors have apparent related.
6. The three factors “conception of wealth management ””financial behavior” “plan of retirement” of the formal and acting formal and acting teathers’ in the elementary school in Yunlin county, only “conception of wealth management” “plan of retirement” have apparent related to each other. Key word “conception of wealth management ””financial behavior” “plan of retirement”.

並列關鍵字

Conception of wealth management ； financial behavior ； plan of retirement

參考文獻

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