家計儲蓄與借貸對財務滿意度之影響：跨國分析比較

財務滿意度是一種主觀感受，其影響因素除所得高低外，家計中儲蓄與借貸的理財取向影響尤巨。家計理財一般包括四種狀況：擁有儲蓄、收支相抵、入不敷出而以過去儲蓄支應，以及借貸。本研究針對歐亞美非四洲五國（德、挪、台、美及南非）進行跨國性分析，觀察在不同的文化社會中，家計理財取向對於財務滿意度是否具有一致性影響。實證主要結果顯示，儲蓄對於財務滿意度具有正向貢獻，借貸則反之；如家計財務屬於有儲蓄者，其財務滿意度顯著高於其他三種狀況。低所得與借貸之負向影響孰大孰小，各國間並不一致；但是擁有儲蓄對於財務滿意度的正向貢獻則明顯大於高所得，且各國皆然。簡言之，能否審慎理財，乃是影響民眾財務滿意度最重要的因素。

關鍵字

財務滿意度；理財取向；儲蓄；借貸

並列摘要

The financial satisfaction is subject to the financial orientation in household, which includes four types: savings, break-even, insufficient income and using savings, or borrowing. To analyze the impacts of household financial orientation on financial satisfaction cross cultures, we choose five countries with different attributes, the USA, German, Norway, and South Africa, in addition to Taiwan. The main findings are that the financial satisfactions of those having savings are higher than the other three types. ”Saving” makes positive contribution to financial satisfaction while ”borrowing” generates negative impacts. Furthermore, when we compare the positive impacts of high income with savings, and the negative impacts of low income with borrowings, we find that the contribution to satisfaction of savings is higher than that of high income. It lacks consistence between the negative impacts of low income and borrowing. Our findings imply that financial planning and disciplines are very important in raising the subjective financial satisfaction.