警察大學學生投資行為與理財素養之研究

The Empirical Study on the Investment Behavior and Financial Literacy of CPU Students

馮佩君(Pei-Chun Feng) ； 林國均(Kuo-Chun Lin)

《中央警察大學警察行政管理學報》 10期 (2014/05) Pp. 141-159

摘要

全球金融風暴導致人們財富縮水，經濟引發的社會問題油然而生。為了解投資失利因素，國內、外許多研究亦相繼投入探討學生及其他族群的理財素養，獨缺警察人員的理財相關研究，本研究旨在探討警察大學學生的理財素養與投資行為的現況。為了解警察大學學生的理財素養，本研究採問卷調查法，以人口統計變項作為固定自變，並逐步納入投資 為與態 題項，以觀察是否影響警大學生的理財素養分數。實證結果顯示，女性學生的理財素養分數顯著高於男性學生，且愈高年級的學生其理財素養分數愈高。在理財素養與理財行為方面，研究顯示理財素養分數愈高愈能遵守制定的財務預算，其投資行為亦愈趨穩健。

關鍵字

理財素養 ； 投資行為 ； 財務預算

並列摘要

The financial meltdown diminished people's wealth and such economic crisis caused social issues. To explore the causes of investment failure, it is found that there are numerous studies on the exploration of financial literacy for students and other groups excepting police personnel. This study is to explore the current development of financial literacy and investment behavior for CPU students. To this end, the questionnaire survey is employed and the demographic variables seen as the fixed dependent variables. Investment behavior and attitude are also involved to explore the influence on financial literacy of CPU students. The results show that the financial literacy score for female is significantly higher than the score for male and higher grade students with higher scores. For financial literacy and behavior, this study reveals that there is a positive association between financial literacy and the compliance for financial budget as well as the stability of investment behavior.

並列關鍵字

Financial literacy ； investment behavior ； financial budget