從性別年齡探討臺灣民眾對鈔券改版方向認同度

現金仍是實體經濟活動不可或缺的支付方式，未來現金支付與非現金支付將長期的存在。新臺幣流通鈔券共有五種面額，其中三種面額發行至今已逾21年，其餘的二種面額也已逾18年，未來一定會面臨鈔券改版問題，鈔券印刷技術不斷的進步，新型防偽技術協助各國加強防範偽造鈔券，同時也兼顧到鈔券設計時需要的自由度，讓鈔券除了是交易的支付工具也是一張具有防偽特徵的藝術品。世界各國常以發行新版鈔券、提升印製技術、增強防偽特徵等來防範偽鈔，各國改版經驗具有高度的參考價值。本研究針對鈔券特性六構面之操作型定義進行討論，並設計研究量表，研究量表以李克特（Likert）五點量表方式計分，問卷設計讓受訪者能瞭解題意並填寫回覆，預式及正式問卷皆透過Google製作問卷表單並以line及Facebook社群網路發放，總計回收623份有效問卷樣本。本研究採用SPSS 26.0版統計套裝軟體作為資料分析工具，以敘述統計分析、信效度分析、t檢定、變異數分析（ANOVA）等方法，分析臺灣民眾對於鈔券特性「鈔券圖像」、「鈔券基材」、「鈔券尺寸」、「鈔券面額」、「鈔券防偽」等改版方向之認同度，及對「鈔券回收機制」的看法。研究結果顯示：（1）受訪民眾對「使用本國景觀為主題作鈔券圖像」、「使用紙材質作為鈔券基材」、「鈔券面額不同，尺寸應不同」、「現行新臺幣鈔券發行面額大小類別很適當」、「加強鈔券防偽宣導」、「鈔券回收應採取無限期回收規定」認同度最高。（2）不同性別對於「鈔券基材」、「鈔券尺寸」、「鈔券防偽」改版方向的認同度有顯著差異。（3）不同年齡層對於「鈔券圖像」、「鈔券基材」、「鈔券尺寸」、「鈔券面額」、「鈔券防偽」、「鈔券回收」改版方向的認同度有顯著差異。據此，本研究建議政府相關部門在進行鈔券改版前，宜先瞭解臺灣民眾對改版方向的認同度、據以作為新臺幣鈔券改版相關政策之制定與施行之參考依據。

關鍵字

防偽特徵；防範偽鈔；鈔券改版

並列摘要

Cash is still an indispensable payment method for real economic activities, cash and non-cash payment will exist for a long time in the future. There are five denominations of New Taiwan dollar bills in circulation, three of which have been issued for more than 21 years, and the remaining two denominations have been in circulation for more than 18 years. In the future, there will be problems in the revision of banknotes. With the continuous improvement of banknote printing technology, new Anti-counterfeiting technology helps countries to strengthen the prevention of counterfeit banknotes, and at the same time takes into account the degree of freedom required in banknote design, so that banknotes are not only a payment tool for transactions, but also a work of art with anti-counterfeiting features. Countries around the world often prevent counterfeit banknotes by issuing new versions of banknotes, improving printing technology, and enhancing anti-counterfeiting features. It is of high value to reference the banknote revision experiences of these countries. The direction this research paper takes is to discuss the functional definition of the six aspects of banknote characteristics, and to design a research scale. The research scale is scored by the Likert five-point scale. Pre-formed and formal questionnaires were created through Google with fillable responses and distributed through Line and Facebook social networks. A total of 623 valid questionnaires were collected. This research uses SPSS version 26.0 statistical software package as a data analysis tool to analyze Taiwanese people's perceptions of banknote characteristics. It used descriptive statistical analysis, reliability and validity analysis, t test, analysis of variance (ANOVA) and other methods to analyze the characteristics of banknotes in Taiwan, such as "banknote image", "banknote base material", "banknote size", as well as the degree of peoples' acceptance of the paths of revision such as "banknote denomination" and "banknote anti-counterfeiting", and views on the "banknote recycling mechanism". The research resulted in: (1) "VERY APPROPRIATE" response from respondents on "Use the national landscape as the theme for the banknote image", "Use the paper material as the banknote base material", "Different banknote denominations, Different sizes", and "Appropriateness of current New Taiwan Dollar currency denominations and banknotes issued". "Strengthen the anti-counterfeiting publicity of banknotes", and "Recycling of banknotes should adopt indefinite recycling regulations" have the highest acceptance rate. (2) There are significant differences in the degrees of acceptance for different genders for the revision direction of "banknote base material", "banknote size" and "banknote anti-counterfeiting". (3) A Significant Difference was found in age groups based on degrees of recognition towards the direction for revisions of "banknote image", "banknote base material", "banknote size", "banknote denomination", "banknote anti-counterfeiting" and "banknote recycling". Accordingly, this study suggests that relevant government departments should first understand the Taiwanese people's recognition towards the direction of the revision before conducting banknote revision and use this as a reference for the formulation and implementation of relevant policies for the revision of NT dollar banknotes.