國軍人員理財認知、理財行為與退休理財規劃研究-以某軍事學院受訓學員為例

本研究旨在探討某軍事學院受訓學員在個人理財認知、理財行為與退休理財規劃的狀況、投資行為從事理由與投資工具運用狀況，並調查研究對象對於國軍同袍儲蓄會的了解、使用程度與意見。研究採問卷調查法，針對近兩屆受訓軍官實施普測，最後得有效問卷392份並予以分析之。經研究結果發現，研究對象多認同理財教育對理財認知的重要性，且投資前的審慎評估是不可或缺的；而理財行為上會重視自身信用，並受到年紀、年資、生理性別、學歷、官科、扶養人數與月平均收入影響；退休理財規劃則多會將月退俸納入其規劃內，亦會受個人的性別、月平均收入等因素影響。另外，同袍儲蓄會服務使用者對理財認知、理財行為與退休理財規劃均有顯著影響，顯見使用者會因此更加重視其理財狀況。最後於結論綜述研究結果並針對上述所見情形提供相關單位建議，以及給予未來本類型題目研究者的研究方向。

關鍵字

理財認知；理財行為；退休理財規劃；國軍同袍儲蓄會

並列摘要

The purpose of this study is to understand the personal financial perception, invest behavior, and financial plans after retirement, reasons of investment behavior and usages of investment tools of trainees in a military academy. To explore the subjects of the understanding, usage and opinions of the Armed Forces Partner Saving Department (AFPSD), this research utilizes the survey method on all trainees in the past two years. There were 392 valid samples collected and analyzed. The results suggest that the subjects generally agreed with the importance of education to financial perception, and they believe prudent assessment before investments are indispensable. Trainees take into account their personal credits when it comes to financial behavior, which could be affected by age, seniority, gender, education, branch, number of dependents and average monthly income. Monthly pensions in the future are usually included in one's financial plan after retirement, which could also be affected by gender and monthly income. In addition, the AFPSD service has noticeable impacts on its users when it comes to financial perception, financial behavior, and their financial retirement plan, which results in AFPSD users paying more attention to their financial management.