理財認知、理財行為與家庭理財之研究 理財認知、理財行為與家庭理財之研究-以台南市上班族為例

Financial Congition, Behavior and Family Management-A Case Study of Tainan Workers

黃國欽(Kuo-Chin Huang)

指導教授 ： 林國欽

台南應用科技大學/管理學院/商學與管理研究所/碩士(2011年)

摘要

在人生不同階段做好理財規劃，應用正確的投資觀念，活用的理財原則及專業的方法是現代人必備的知識。不論個人或家庭理財都必須從理財目標、理財方法、理財策略、風險評估、理財觀念發展及環境變革因應趨勢等專業完整的理財規劃。本研究係針對台南市上班族其目前理財行為之滿意度、理財認知及家庭理財現況滿意度與重視度關係等面向做探討。有效問卷286份以STATISTICA 6.0 來進行統計分析，使用的統計方法包括：敘述性統計分析、T檢定及ANOVA之差異分析、相關分析與迴歸分析。
研究結果發現：
一、台南市上班族其家庭理財滿意度僅15%；上班族其家庭月所得上，主要集中在40,001-80,000元這區間，佔66％；而家庭月所得80,001元以上僅佔了33%，值得關注。
二、從台南市上班族其家庭理財之重視度及滿意度分析得知，於優先改善區中，以家庭理財風險管理，是台南市上班族最重視，然而最得不到滿意；顯然是台南市上班族最應優先自我改善，以期提高家庭理財滿意度。
三、台南市上班族目前其理財認知、理財行為及家庭理財有一定程度之相關性。
四、台南市上班族目前其理財認知及家庭理財有一定預測關係。

關鍵字

理財認知 理財行為 家庭理財

並列摘要

Good financial planning at different stages of life, correct investment concepts, flexible financial principles and professional methods are essential knowledge for modern people. Personal and family finance both have to develop professional and complete financial planning in terms of financial goals, financial methods, financial strategies, risk assessment, financial concept development, trend of environmental changes, etc. This study investigates office workers’ satisfaction with current financial behavior, financial cognition as well as relationship between satisfaction and importance of current family finance in Tainan City. 286 valid questionnaires are analyzed through STATISTICA 6.0 and statistical approaches used include descriptive statistics analysis, T test, as well as difference analysis, correlation analysis and regression analysis of ANOVA.
Research findings are as below follows:
1. The degree of office workers’ satisfaction with family finance is only 15% in Taiwan city; 66% of interviewees’ monthly family income falls between NTD 40,001 and 80,000. People whose monthly family income is over NTD 80,001 account for 33%, and this phenomenon deserves special attention.
2. An importance-satisfaction analysis of family finance among office workers in Tainan City shows that they most value risk management of family finance in priority improvement area; however, they are least satisfied with this aspect. Obviously, office workers in Tainan City should first implement self improvement so as to enhance satisfaction with family finance.
3. For office workers in Tainan City, their financial cognition, behavior and family finance are correlated to a certain degree.
4. There is a predictive relation between these office workers’ financial cognition and family finance.

並列關鍵字

financial cognition, financial behavior, family finance

參考文獻

一、 中文文獻

王傳蒂（2006），個人理財觀對理財規劃影響之研究-以台北地區國小教師為例，台北市立教育大學社會科教育研究所，碩士論文。

王念慈（2007），公立高中職教師理財之研究，國立彰化師範大學商業教育學系，碩士論文。

毛仁傑（1989），個人生活型態理財觀念與理財行為--台北市國小學生家長個 案研究，國立台灣大學商學研究所，碩士論文。

台灣金融研訓院(2008)，理財規劃實務，（第七版）（頁2），台北：金融研訓。