合庫運動員理財規劃之研究

本研究主要目的如下：（一）比較甲組運動員與乙組運動員在理財規劃上的差異。（二）比較男性運動員與女性運動員在理財規劃上的差異。（三）比較運動員與非運動員在理財規劃上的差異。本研究採取問卷調查法，受試對象係自願參加，進行資料蒐集，接受理財規劃量表評量。有效回收率為95.16 %，共分為以下兩組：（一）運動員組（N=145人；平均年齡為26.90±1.75歲）、（二）非運動員組（一般人N=150人；平均年齡為27.43±4.61歲），兩組間並無差異存在（t=-1.31, p＞.05）。評量所得資料以SPSS for Window 22.中文版統計套裝軟體為分析工具。結果發現：（一）甲組運動員與乙組運動員的理財規劃，就整體來看，差異達顯著水準（p＞.05）。顯示：甲組運動員在理財規劃上明顯優於乙組運動員。（二）男性運動員與女性運動員的理財規劃，就整體來看，差異未達顯著水準（p＞.05）。顯示：男性運動員與女性運動員在理財規劃上並無差異存在。（三）運動員與非運動員的理財規劃，就整體來看，除了在理財目的未達顯著水準（p＞.05）外，其餘三個部分，運動員與非運動員間皆達顯著水準（p＜.05）。顯示：運動員在理財目的上與非運動員無分高下；運動員在理財決策因素以及理財工具選擇上明顯優於非運動員；但是，在退休規劃上，運動員明顯低於非運動員。

關鍵字

理財規劃；運動員

並列摘要

OBJECTIVE: The aims of this study were triple. Firstly, to compare the differences of the financial planning between first level athletes and second level athletes. Secondly, to compare the differences of the financial planning between male athletes and female athletes. Thirdly, to compare the differences of the financial planning between athletes and non-athletes. METHODS: A group of athletes (n=145, mean age 26.90±1.75 yrs)and a group of non-athletes (n=150, mean age 27.43±4.61 yrs) volunteered to participate in the study. The investigation of financial planning was conducted by using a questionnaire. The effective response rate is 95.16 %. Independent t-test was adopted to compare the differences between the two groups using the software package of SPSS 22.0 for Windows. RESULTS: The outcome of the study demonstrated as below. First, the financial planning of the first level athletes were significantly (p＜.05) better than that of the second level athletes. Second, in general, the differences of the financial planning between male athletes and female athletes were not significant (p＞.05). Third, as a whole, the differences of the financial planning between athletes and non-athletes were significant (p＜.05).