- 學位論文
我國海軍人員理財認知、理財行為及年金改革影響理財規劃之研究
Comprehensive Studies of General Cognition and Financial Behavior and Post Impact of Annuity Reform on Financial Management of Taiwan Navy Personnel
摘要
台灣國民年金現在面對很大的財務危機，收少支多嚴重失衡，促使年金改革的產生，近來在蔡英文總統上任後，更是積極推動年金改革，而其中也包含了軍公教的年金改革，但軍公教人員對於改革的內容卻有很大的反彈，而不管是退休還是現役人員都對改革是有所意見，甚至藉由走向街頭的遊行活動來表達自己的不滿，因此，想瞭解海軍官兵個人的理財規劃及國民年金改革對於海軍官兵理財規劃是否有所影響，即為本研究探討的目的。本研究採用問卷調查法，以自編之「國民年金改革影響我國軍官兵理財規劃之研究調查問卷」作為資料蒐集的工具，以海軍技術學校受訓學員為研究對象，總計有效樣本共254份。根據問卷填答結果，以描述性統計、單因子變異數分析、皮爾遜積差相關及迴歸分析等統計方法進行資料分析。 研究結果發現，理財觀念認知在海軍官兵的基本人員資料中服務年資有顯著差異；理財目標在服務年資及個人每月薪資所得等兩項資料有顯著差異；理財行為在服務年資和階級等兩項資料有顯著差異。另外海軍官兵的理財觀念對投資風險看法及理財行為有顯著相關；資風險看法對理財目標及理財行為有顯著相關；理財目標對投資風險看法及理財行為有顯著相關；並且得知因為國年年金改革關係，有顯著影響我海軍官兵的理財行為。海軍官兵的投資風險看法及理財目標會對理財行為有顯著相關，所以必須有正確的投資風險看法及理財目標，才能展現正確的理財行為。
並列摘要
Taiwan's national annuity is now facing a large financial crisis, the imbalance of income and expenditure promoting the formation of annuity reform. With Cai Ying Wen won the presidential election, she actively promote the reform of Annuity, including Military, Governemnt employes and teachers. But they all have a great rebound against the content of the annuity reform, whether the relired or the one on active duty, both have some problem against the reform. They express their discontence by protesting on the streets. Therefore, the topic of this research is to understand the personal financial planning of the Naval officers and the influence of the annuity reform. In this study, a self desine questionnaire「The influence of annuity reform to the Military officer's personal financial planning」was conducted for data collection. The main research object is the student from Naval Technical School, a total of 254 valid samples were conducted. According to the questionnaire,the date were analyzed by statistical methods, such as descriptive statistics,single factor variance analysis, Pearson product correlation analysis and regression analysis. The results shows that the financial concept has significant differences along the service years of the Naval officers; Financial goals has significant differences between service years and monthly incomes; Financial management has significant differences between service years and status. Moveover, the financial concept of the Naval officers have significant relation with investment risk and financial behaviors; Investment risk has significant relation with financial goals and financial behaviors; Financial goals has significant relation with Investment risk and financial behaviors. Due to the result; we found out the reform of Annuity has significant influence to the financial behavior of the Navy officers. The view of investment risk and financial goals of the Naval officers has significant relationship with financial behaviors. So, with the right view of investment risk and financial goals, can we demonstrate the right financial behaviors.