本研究應用問卷調查法,分析軍人在理財認知、理財行為與退休理財規劃的現況。以中部地區軍人作為研究對象,採用便利抽樣方式進行問卷調查,委請各種可提供協助者代為發放問卷,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,係參考王傳蒂(2006)、溫騰光(2007)等人關於個人理財的相關調查問卷;將所蒐集的資料以敘述性統計、相關性統計、信度分析、單因子變異分析及卡方檢定進行處理。歸納結論如下:(1)多數軍人的理財認知正確,以及軍人的退休看法受個人背景條件因素的影響。(2)軍人經常檢視自己的理財與投資計劃,以及軍人理財工具的選擇偏向保守。(3)軍人整體的退休理財規劃工具偏向保守,以及軍人對自己的退休規劃偏向積極。(4)軍人之退休理財規劃與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,採用較保守的理財行為。
This research implies the questionnaires method to explore the situation of planning behavior and retirement investment on military officiers'' reasonable wealth cognition, manage money matters. There are four findindsbof this resaerch'' as follows: First, Most officers'' financing behaviors are aligned with their cognitions, and the officers’ retired views are affected by the condition factors of the personal backgrounds. Second, the officers are quite often inspects their portfolios and investment plans, but their investments are more conservative. Third, the officers’ investment tools are conservative but their retirement plans are more aggressive. Finally, there are closely relationships in the officers’ investment behaviors and plans and more conservative on the retirement investment plans