從眾效應與國小教師理財規劃關係之研究

本研究採用問卷調查法作為研究方法，以桃園市的公立國民小學教師為主要研究對象，設計問卷量表供施測，量表分成：教師相關背景變項、理財規劃與從眾效應三部分。實證結果顯示，對理財規劃行為造成顯著差異性的背景變項包括：「是否曾參加理財教育相關講座或課程」、「對理財資訊感興趣程度」、「理財實務經驗」是對理財規劃四個子構面中，分別造成最多差異性影響的變項，其次才是「學歷」、「服務年資」與「每月固定儲蓄」。對從眾效應造成顯著差異性的背景變項前兩名為：「對理財資訊感興趣程度」、「理財實務經驗」，其次才是「性別」、「年齡」、「學歷」、「服務年資」、「每月常態性收入」、「每月固定儲蓄」、「是否曾參加理財教育相關講座或課程」。另外在相關性分析結果顯現，從眾效應構面內，變數間的相關性達到顯著水準，群體特性與工作情境特性為低度正相關外，其他變數間是中度正相關。理財規劃構面內，變數間的相關性達到顯著水準，理財目的與理財工具、理財目的與理財資訊、理財工具與決策因素是低度正相關；理財目的與決策因素、理財工具與理財資訊、理財資訊與決策因素達到中度正相關。理財規劃與從眾效應構面中，兩邊變數的相關性皆介於低度與中度正相關，表示兩構面間各變數是相互影響且具有正相關性。

關鍵字

從眾效應；理財規劃；國小教師

並列摘要

A questionnaire survey was used to measure teachers' financial planning behaviors in public elementary school teachers in Taoyuan City, and a questionnaire scale was designed to measure teachers' financial planning behaviors. The final results showed that among the background variables that caused significant differences in financial planning behaviors, "whether or not they had attended financial education-related seminars or courses," "interest in financial information," and "practical experience in financial management" were the variables that caused the most differences in each of the four subcomponents of financial planning, followed by "education level," "years of service," and "monthly fixed savings. Among the background variables that caused significant differences in the followership effect, "interest in financial information" and "experience in financial management" were the variables that caused the most differences among the four subcomponents of the followership effect, followed by "gender," "age," "education," "years of service," "monthly fixed savings," and "attended financial education-related seminars or courses.The results of the correlation analysis showed that the correlation between the variables in the herding effect dimension reached a significant level, while the correlation between group characteristics and work situation characteristics was low positive, and the correlation between the other variables was moderate positive. In the financial planning dimension, the correlation between variables was significant, with low positive correlation between financial objectives and financial tools, financial objectives and financial information, and financial tools and decision factors; and moderate positive correlation between financial objectives and decision factors, financial tools and financial information, and financial information and decision factors. The correlations of the variables in the financial planning and audience effect dimensions are between low and moderate positive correlations, indicating that the variables in the two dimensions are interacting and positively correlated. The correlation between the financial planning and herding effect dimensions is significant and moderately positive, indicating that the two dimensions affect each other.