人口統計變數對個人理財行為影響效果之探討

The Effects of Demographic Variables on Individual Financial Behaviors

張瓊嬌(Chiung-Chiao Chang) ； 彭少君 ； 吳慧寧(Huei-Nine Wu) ； 賴怡珍(Yi-Jhen Lai)

《萬能商學學報》 15期 (2010/07) Pp. 151-166

https://doi.org/10.29678/VCJ.201007.0010

摘要

本文以北部地區某科技大學進修部四技四年級、三年級學生為主要受訪對象，採用便利抽樣的方式，利用信度分析確認理財行為量表的信度，並以變異數分析進行實證分析。研究結果顯示，人口統計變數除了性別對控制支出、準時支付帳單、規畫未來、撫養家人、儲蓄都未造成顯著影響，而年齡、婚姻、收入對準時支付帳單、撫養家人、整體理財行為存在顯著影響，職業對於撫養家人、儲蓄、整體理財行為皆有顯著影響。其次本研究雙因子變異數分析結果發現，人口統計變數中只有結婚與收入高低、性別與年齡對消費控制在顯著水準10%下，存在邊際顯著影響；性別與收入對準時支付帳單行為在顯著水準10%下，存在邊際顯著影響。

並列摘要

This study investigates whether demographic variables such as sex, marriage, age, and income influence consumer financial management behavior by conducting ANOVA analysis. This study adopts the definition by Perry and Morris (2005), defines ”financial management behavior” as control spending, pay bills on time, plan for financial future, save money, and provide for their family. The results find that, first, there is no significant influence for sex, however, significant influences are found for age, marriage, and income on controlling spending, paying bills on time, planning for financial future, saving money, and providing for their family. Second, there are marginal significant interaction effects between marriage and income, sex and age on controlling spending, and sex and income on paying bills on time.

並列關鍵字

Financial Management Behavior ； Demographic Variable