青年轉銜階段代間財務支持

Intergenerational Financial Support of Transitional Youth

倪靜玫(Jing-Mei Ni)

指導教授 ： 王珮玲

國立暨南國際大學/人文學院/社會政策與社會工作學系/碩士(2015年)

https://doi.org/10.6837/NCNU.2015.00024

摘要

本研究探討父母對轉銜青年財務支持。研究方法採量化研究，使用華人家庭動態資料庫進行次級資料分析以瞭解當下代間財務支持現況，以及親代特性、子女特性、子女發展歷程對財務支持的影響，最後，再運用代間連帶理論探討家庭結構、規範連帶、情感連帶和關聯連帶對代間財務支持的影響。
研究結果顯示父母提供子女財務支持逐年減少，且青年長期接受代間財務支持比例並不高；從親代特性和子代特性來看，當子女為男性、教育年數長、子女收入較低、親代收入高的情況下，有助於增加代間財務支持；從子女發展歷程來看，當子女年齡增加、畢業年數增加與就業穩定度高，代間財務支持均會減少，而婚姻、生育和代間居住關係則對財務支持並無顯著影響；最後，使用代間連帶理論來分析影響代間財務支持因素，依照影響程度依序為子女畢業年數、子女收入、親代收入和子女性別對財務支持有顯著影響。
研究發現一般家庭多能提供子女轉銜期間經濟協助助其轉銜，但對於低收入家庭子女獲父母支持比例不高，故提出針對低收家庭福利緩衝期與資產累積方案修正。再考量當子女收入高與就業穩定度高財務支持相對降低，故建議應規範最低基本薪資與提供有保障的就業型態。

關鍵字

青年轉銜 ； 代間財務支持

並列摘要

This research discusses parents’ financial support for transitional youth. I conduct my research by adopting quantitative research: I carry out secondary data analysis through Panel Study of Family Dynamics, so as to learn about current status of intergenerational financial support, and the influence of characteristics of parents, qualities of children, and children’s developmental process, on financial support. And then, I explore how financial support influenced by structural solidaritye, normative solidarity, affectual solidarity, and associational solidarity on intergenerational solidarity theory.
My research shows that parents’ financial support for children reduces annually, and the youth rate of accepting long-term financial support is quite low. First, from the perspective of characteristics of parents and children, the following condition increases intergenerational financial support: male children, children with higher education, children with lower income, or parents with higher income. Next, from the angle of children’s developmental process, the following condition reduces intergenerational financial support: the older the children grow, the longer the children graduate, and more stable the employment rate is. Third, marriage, child-bearing, and whether children live with parents or not, have little significance in intergenerational financial support. Last, based on intergenerational solidarity theory, the factors list below ordered according to effect level of intergenerational financial support: how long after children graduate, the amounts of children’s income, the amounts of parents’ earnings, and children’s gender.
My research finds that families in general supply children with financial support during their youth transition, but the rate of transitional youth receiving financial support from low-income households is low, so I make modifications to grace period of low-income family and Assets-based Program. The higher children’s income and employment rate is, the lower intergenerational financial support is, so I suggest government to set the minimum wage and provide young people with employee welfare measures.

並列關鍵字

youth transition ； Intergenerational Financial Support

參考文獻

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一. 中文部分