風險屬性與政治傾向對於人民幣計價基金購買意願之關聯性研究

The Effect of Risk Attributes and Political Inclinations on Purchasing RMB-Based Mutual Funds

蔡承志(Chen-Chih Tsai)

指導教授 ： 曾義明

淡江大學/商管學院/國際企業學系碩士在職專班/碩士(2014年)

https://doi.org/10.6846/TKU.2014.01251

摘要

本研究之主要目的在探討投資人的風險屬性與政治傾向，是否會對人民幣計價基金的購買意願產生影響，就投資人對於政黨偏好，風險屬性，基金購買意願，中國市場經濟發展預期進行檢驗，以了解各變數之間是否具有關聯性。

本研究以筆者自編之「風險屬性與政治傾向對於人民幣計價基金購買意願之關聯性研究問卷」為研究工具。本研究之問卷共委託國內11個銷售機構，全省71間銷售據點，分佈於全省九個縣市，共發出355份問卷，回收338份，問卷回收率為95.2%;其中有效問卷為318份，有效問卷比率為94.1%。本研究使用SPSS22套裝軟體進行資料分析，運用敘述性統計、信度分析、迴歸分析、單因子變異數分析等方法來進行資料分析。

　　本研究主要發現如下：
一、購買人越屬於積極型，則其購買人民幣基金意願就愈高。
二、基金購買人對中國市場經濟發展預期看法越正面，則其購買人民幣基金意願
　　就愈高。
三、政治傾向偏向國民黨者，則其購買人民幣基金意願就愈高。
四、政治傾向偏向民進黨者，對於人民幣基金之購買意願呈意願較低。
五、年所得高的投資人較有意願投資人民幣計價基金。
六、男性、上班族、教育程度高、過去一年有投資經驗的投資人較能接受風險。
七、教育程度較低者政治傾向較偏向國民黨。
八、年收入較低者政治傾向較偏向民進黨。

關鍵字

風險屬性 ； 政治傾向 ； 人民幣計價基金購買意願

並列摘要

This research mainly aims to explore the effect of risk attributes and political inclinations on purchasing RMB-based mutual funds. Different inclinations of voters, factors of risk attributes, intentions of purchasing mutual funds, attitude toward China economic growth perspective are conducted to examine whether both two are correlated.
Author’s self-compiled collection of polls based on the effect of risk attributes and political inclinations on purchasing RMB-based mutual funds is the research tool. The polls of this research paper are commissioned to 71 branches of 11 mutual fund selling companies allocated in 9 cities or countries in Taiwan as a great majority. The total issued polls are 355 out of which 338 have been collected. The percentage of collected polls is 95.2. The total number of valid polls is 318. The percentage of valid polls comes 94.1. The statistics software availed of in this research is SPSS, with the data analysis on the basic of descriptive statistics, reliability analysis, reliability analysis and one way ANOVA.
The main findings of this research are as follows:
1.The investors with an aggressive attitude toward investment risk have higher intentions to purchase RMB denominated currency mutual funds.
2.The investors with a positive attitude toward China’s economic growth have higher intentions to purchase RMB denominated currency mutual funds.
3.The investors who favor KMT politically have higher intentions to purchase RMB denominated currency mutual funds.
4.The investors who favor DPP politically have lower intentions to purchase RMB denominated currency mutual funds.
5.The higher-income investors have higher intentions to purchase RMB denominated currency mutual funds.
6.The male, office workers, high level education, with investment experience over the past year tend to accept higher investment risk.
7.People who have lower education background are pro-KMT voters.
8.People who have less income are pro-DPP voters.

並列關鍵字

Risk Attributes ； Political Inclinations ； Purchasing RMB-Based Mutual Funds

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