國軍人員理財認知、理財行為及退休理財規劃之研究－以雲林地區砲兵部隊為例

本研究使用問卷調查法，在分析軍人的理財認知與行為以及退休理財規劃的現況，並且以雲林縣之砲兵部隊作為研究對象。以採用便利抽樣的方式進行問卷調查，委請營區上校政戰主任代為發放問卷，並回收後進行分析資料作為推論依據。研究工具的使用上包括：在軍人的理財認知、軍人的理財行為以及軍人的退休理財規劃，並結合王傳蒂（2006）、溫騰光（2007）、楊梅鈴（2010）、以及許婷婷（2014）等人之關於個人理財的相關調查問卷。將所蒐集到的資料以敘述性統計、相關性統計、信度分析、單因子變異分析以及卡方檢定進行處理。歸納結論如下：一、軍人的理財觀念認知，受生長環境、家庭背景、個人教育程度，以及同儕間交互作用影響。二、軍人的退休看法受個人經濟現況及生活條件影響。三、軍人理財工具的選擇受國家政策影響多偏向保守。四、軍人對自己的退休規劃偏向積極。五、軍人退休的理財規劃與其理財行為有密切的關係，以及軍人規劃自己優質的退休生活時，採用比較保守且低獲利低風險的（亦或是相對開放且高報酬高風險）理財行為。根據上述歸納重點，我們得知雲林縣之砲兵部隊軍人的理財觀念會受生活周遭環境、經濟狀況、國家政策、退休規劃、以及理財行為等因素影響。我們蒐集到雲林縣之砲兵部隊134份問卷資料，其中有效為119份，有效比例為93%。根據本研究，我們可以清楚了解到雲林縣之砲兵部隊之軍人目前的消費習慣以及未來的退休理財規劃，甚至為該砲兵部隊按薪資所得規劃並建議個人退休計畫，避免退伍後金錢使用不當導致家庭經濟失去平衡。

關鍵字

理財認知；理財行為；退休規劃

並列摘要

In this study, we use the questionnaires to analyze the financial awareness military, financial status and retirement financial planning behavior for artillery units in the Yunlin County artillery. Convenience sampling method using questionnaires, the Commission requested the camp director, Colonel political warfare on behalf of questionnaires, analyze and recover data after a deduction basis.Use the research tools include: In financial awareness military, financial and military conduct military retirement financial planning, Combined with Wang Chuan Di （2006）, Wen Tengguang （2007）, arbutus bell （2010）, and Xu Tingting （2014） and others related to the questionnaire about personal finance. The information collected with descriptive statistics, correlation statistics, reliability analysis, single factor analysis of variance and chi-square test for processing. Conclusions are summarized as follows: 1. Financial management and cognition soldiers by inter-growth environment, family background, personal education, peer interaction and influence. 2. The view that the military retirement status and economic conditions affect personal lives. 3. The choices of financial instruments are effected by the military influence national policies more tend to be conservative. 4. Military planning for their retirement positive bias. 5. Retirement financial planning and financial behavior is closely related to the military, and the military retirement plan their quality, the use of more conservative, low-risk and low profitability （or relatively open and also high-risk high-reward） financial behavior. According to the above summarized the focus, we learn financial concepts of Yunlin County artillery forces soldiers will be affected by factors surrounding living environment, economic situation, national policy, retirement planning, and wealth management behavior.collected the Yunlin County artillery OOO questionnaire data, which is valid OOO, the effective ratio of OO%. According to the present study, we can clearly understand that the military forces of the artillery of Yunlin County, the current spending habits and future retirement financial planning, even for artillery Press wages in planning and individual retirement plans, to avoid improper use of money after ex cause families to lose balance.