ERG理論、理財認知對幸福感之影響－以南投縣仁愛鄉原住民為例

A Study of ERG Theory and Financial Perception on Well-being－A Case Study of Aborigines in Renai Township,Nantou County

蔡瑩燕(YING-YEN TSAI)

指導教授 ： 張婉玲 ； 田靜婷

朝陽科技大學/管理學院/保險金融管理系/碩士(2016年)

摘要

四百年來，臺灣歷經外國勢力及漢人強勢文化等介入，導致原住民在政治、經濟、教育與文化上都被迫淪為弱勢的一方。近二十年來，由於國際人權和原住民意識的抬頭，政府開始注重原住民族的文化與教育，也成立了相關部會，並制定了許多相關的法令以保障其權益。儘管如此，原住民的生活條件並未因此而有大幅改善，但他們依舊讓外界感覺到他們似乎過得很快樂。這種幸福快樂到底是真？是假？本研究以此為啟發點，想要探討哪些變數會影響原住民的幸福感？
本研究使用 ERG 理論、理財認知與幸福感等量表為研究工具，旨在探討 ERG 理論、理財認知對幸福感之影響。本研究以南投縣仁愛鄉成年之原住民為研究對象，採用分層比例抽樣進行問卷調查，實際發放問卷 400 份，回收問卷 388 份，有效問卷為 361 份，有效問卷回收率為 93.04 %。
依據回收之有效問卷，採用敘述性統計分析以了解樣本個人基本資料之分布情形；以迴歸分析驗證 ERG 理論對理財認知之影響、 ERG 理論對幸福感之影響，以及理財認知對幸福感之影響。
研究結論如下：
一、理財認知受 ERG 理論中的生存需求及成長需求兩個構面的負向影響。
二、幸福感受 ERG 理論中生存需求、成長需求及關係需求三個構面的負向影響。
三、幸福感受理財認知中理財規劃看法及主觀看法兩個構面的正向影響。
根據上述結果提出下列研究建議：
一、仁愛鄉公所
（一）鄉公所宜多為鄉民創造財源，增加收入。
（二）鄉公所應該定期且長期舉辦鄉民們感興趣的職業培訓計畫。
（三）辦理理財相關課程或活動，提升鄉民對於理財的認知及需求。
二、鄉民自身
建議鄉民宜及早融入部落，積極參與各類活動，建立良好的人際
關係，增進生活幸福感。

關鍵字：ERG理論、理財認知、幸福感

關鍵字

幸福感 ； 理財認知 ； ERG理論

並列摘要

Since four hundred years ago, Taiwan had been occupied by the foreign
forces and dominated by the Han cultural intervention which makes the Aborigines become vulnerable in politics, economy, education and culture. The past two decades, as international human rights and indigenous consciousness raising, the government began to focus on Aborigines culture and education, also established relevant ministries, and developed a number of related laws and regulations to protect their rights. Nevertheless, the living conditions for Aborigines did not result in a significant improvement, whereas many people think they are always happy and enjoy their life. Does this happiness actually exist or not？This question inspired the study to explore factors affecting Well-being of the Aborigines.
The study adopted ERG Theory, Financial Perception and Well-being as instruments to study how ERG Theory and Financial Perception impact Well-being. Subjects were adult Aborigines living in Renai Township, Nantou County. The stratified sampling was administrated to collect data by distributing 400 questionnaires. Of the 400 questionnaires, 388 were returned with which 361 were valid responses corresponding with 93.04 % return rate.
The descriptive statistics were applied to analyze the distribution of demographics and the regression analysis was applied to inspect the effect of ERG Theory toward Financial Perception,the effect of ERG Theory on Well-being and the effect of Financial Perception on Well-being.
The conclusions of the study had made as follows:
1. Financial Perception was affected negatively by existence needs and growth
needs of ERG Theory.
2. Well-being was affected negatively by existence needs, growth needs, and
relatedness needs of ERG Theory.
3. Well-being was affected positively by financial planning point of view and
subjective point of view of Financial Perception.
Suggestions based on the findings of study were provided as follows:
1. To Renai Township office
(1) Township office could create financial sources for Aborigines to
increase their income.
(2) Township office could regularly and constantly host the occupational
training programs which are interested by residents.
(3) Organized financial related programs or activities to improve
Aborigines’ financial concept and need.
2. To Aborigines
Aboriginal Residents could get involved in tribe and participate in all
kinds of activities thus to build up good relationship with others in order to
increase the life well-being.

Keywords: ERG Theory, Financial Perception, Well-being

並列關鍵字

Well-being ； Financial Perception ； ERG Theory

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