目前任職於私立學校的教師,除了要面臨教育政策的改變,更要面對因為少子化伴隨而來的問題,教師承受的壓力愈來愈重,十二年國民基本教育、零體罰、少子化的趨勢,及教改政策連番更迭,使得許多教師萌生提早退休的念頭。本研究期望能了解目前私立高中職教師的理財認知與退休理財規劃之現況,提供政府教育當局明瞭目前高中職教師的想法及需求,並進一步探討教師的背景變項是否會影響教師的理財認知與退休理財規劃? 本研究採用問卷調查法,以台中市之私立高中職教師為研究對象,發放350份問卷回收320份,回收率為91.4%。研究結果發現,高中職教師整體的理財認知正確,在理財認知中的四個層面中「主觀知覺」、「理財規劃」、「風險認知」皆高於平均水準,但「退休認知」則低於平均水準。 就高中職教師的退休理財規劃上,退休理財目標前二項為「為退休做準備」、「提高生活水準」;而選擇投資工具時主要的考量因素是「投資風險的高低」;退休規劃方面,最理想的退休年齡是「57歲」,認為自己退休後每個月需要「2萬至4萬」才足夠退休後的生活開銷,有六成以上的高中職教師已經開始為自己以後的退休生活進行財務規劃。最後綜合研究結果,針對教師、金融機構及未來研究提出具體建議。
With the aging society, Taiwan has been one of lowest birthrate country of all over the world. The teachers at private school not only have to face the changing of education policy but also bear the problems, such as no punishment at school、12 years basic education and low birthrate trend etc. Many teachers want to retire earlier than they had planned. In the changeable times, teacher should plan the financial affairs after their retirement. The purpose of this study is to determine the retirement planning thinking and need of private high school teacher and to survey teacher’s background variables whether influence to the retirement planning from 350 questionnaires which the valid questionnaires is 320 portions, 91.4 percent. The result of the research find that four cognition aspects of teacher’s retirement financial planning are all above the average, which are “subjective perception”, “fianace planning” and “risk cognition”, but only the “cognition of retirement” is below the average.