強制扣新之警察人員風險偏好之研究

The Research on the Police of Forcible Salary Deduction Execution and Risk Appetite

馮佩君(Pei-Chun Fun) ； 林裕益(Yu-Yi Lin)

《中央警察大學警察行政管理學報》 10期 (2014/05) Pp. 221-242

摘要

警政署（101年）調查統計，全國6萬8千名警察人員，有1千8百名員警因欠債而被強制扣薪，比例達千分之26。同一年度臺北市政府警察局亦針對轄區員警進行調查統計，列風紀狀況人數達81人、列教育輔導83人、強制扣薪達240人、財務不佳達256人，（臺北市政府警察局督察室資料，2012），債務問題導致員警無時無刻不帶著財務的壓力與情緒來執行勤務，也因如此容易滋生違法亂紀事件，約莫自從11年前北市爆發的員警擄妓勒贖案、包庇色情業者等案例，現今檢調甚至還發現有部分不肖員警盜賣民眾個資並與討債業者掛勾，從中牟取利益，這些涉案員警大多都是在外積欠大筆債務，才會動起違法念頭，利用職務之便牟取不法利益。舉凡包疪毒品、賭博、色情、插乾股、盜賣個資等不法情事。因此缺乏正確的理財觀，即使收入穩定的員警，也易衍生出債務問題，而如何居中協商進而協助解決員警債務問題，已是警方維持風紀的當務之急。本研究主要即在探討強制扣薪之警察人員財務風險偏好與理財認知狀況探討是否造成債務的潛在的原因，進而期能提供相關資訊供實務界參考，藉以制定相關策略，進而減少員警債務比例並降低員警因債務引發的強制扣薪以及相關的風紀問題。

關鍵字

強制扣薪 ； 債務 ； 理財意識 ； 風險偏好

並列摘要

There are 1800 police personnel were compulsory to deduct their income among these 68,000 police personnel in Taiwan according to the survey that conducted by the National Police Agency in 2012 and the percentage is 26%. Meanwhile, the Taipei City Police Department also conducted the survey for their police personnel and found that there are 81 of them got ethical issues, 83 of them need to be advised and educated, 240 of them need to cut their income compulsory, and 256 of them get financial problem (Taipei City Police Department superintendent's office data , 2012). Debt issues leads to financial pressure and negative emotion for police personnel when they perform their duty and hence easily make them violate the law and discipline. There are some cases occurred 11 years ago such as police kidnapped the whore and sheltered sex industries and this tells the importance of financial issues for the police personnel. Currently, the prosecutors still found some corrupted police personnel selling personal profile and cooperating with debt collectors for their financial benefits. Those corrupted police personnel mostly with mountain of debts and thought of acquiring illegal benefits through their duties and therefore leads to plenty of unethical cases such as they shelter drug dealers, gambling and sex industries, free shareholders in sheltered business, and selling personal profile and so on. This can be concluded that debt issues for police personnel usually come from those who without the idea for properly financial management. Hence, it is an urgent issue of how to negotiate and solve the debt issue for police personnel for keeping the law and discipline of the police personnel. This study is to investigate the issue of financial risk orientation and financial management recognition for the police personnel who have compulsory income-deduction problem and explore their influence in the occurrence of debts. The findings of this study is expected to provide critical references for related organizations to make effective strategy for minimizing the debt ratio of police personnel as well as compulsory income-deduction and law and discipline issues that may cause from this debt issue.

並列關鍵字

Compulsory income-deduction ； debt business ； financial management recognition ； financial risk orientation