臺灣職業棒球球員投資理財行為之研究

The Research on Financial Behavior of Taiwan Professional Baseball Players

李振賢(LEE CHEN-HSIEN)

指導教授 ： 朱文增

國立臺灣師範大學/運動與休閒學院/運動與休閒管理研究所在職碩士班/碩士(2011年)

摘要

臺灣職業棒球運動發展至今22年，全盛時期職棒球員薪資豐厚，廣告代言滿檔，但後期歷經兩聯盟惡鬥與五次簽賭案重創，整體職棒市場萎縮，球團經營困難屢傳解散，球員整體薪資偏低，職棒生涯不穩定性極高。不論球員收入多寡，球員退役後發生財務困難，或高薪球員涉入簽賭案時有所聞，職棒球員如何支配個人所得，是否積極投資理財創造更多財富，為本研究之主要目的。研究對象為臺灣職業棒球36位現役、退役球員與教練，透過職棒球員理財基本知識問卷，調查球員理財觀念及對投資工具的理解程度現況，並透過深度訪談方式，了解球員經濟情況、所得支配及投資理財行為。研究結果發現球員普遍對於投資理財採保守態度，主因在於原生家庭經濟狀況不理想，所得多用於改善家中經濟，進職棒1~3年後才開始規劃投資理財，但有更多球員知道理財重要卻不知如何開始。球員理財現況呈現極端差異，擅長理財的球員投入大量時間研究投資工具與標的，每年獲利勝過薪資所得，不擅長理財的球員缺乏入門引導，僅以穩定儲蓄做為主要理財方式。球員對退休生活多希望無貸款、有存款兩千萬的經濟條件，從事無薪回饋社會工作亦可接受，擅長投資者認為達成可能性極高，但不擅長理財者對於達成理想退休生活沒有計劃。因此本研究建議臺灣職業球團與業餘學生單位，可與金融機構配合，提早為球員進行一對一財務管理規劃，協助球員改善家庭債務，管理生活開銷，提供生涯規劃教育，建構暢通資訊管道，協助完成學業及培養第二專長，為未來即將加入職棒的球員建立良好制度與環境，對整體職棒環境有十足助益。

關鍵字

投資理財 ； 理財工具 ； 生涯規劃

並列摘要

The purpose of this study was to investigate financial behavior of Taiwan professional baseball players. 36 active, retired players and coaches were recruited by basic financial knowledge questionnaires and in-depth interview. The result discovered most of the players have conservative attitude on financial behavior. The principal reason of the primary families were poor, the incomes mainly used to improve family status. They started to plan investing after involved in professional baseball team from 1 to 3 years. But there were more profession baseball players didn’t know how to invest. The financial behavior of the players were extremely different. The players who were good in investment spend more time to research financial tools and gain more; those who were not good in investment only had bank savings. The players hope to have no credits and 20 millions bank savings, and contribute to the community when they retired. Those who were not good in investment did not have life plan in future. The study suggested the Taiwan professional team owners and amateur student units could co-operate with financial association to create financial plan, to improve family status, to manage lives expenses, career planning, to build fluent information channels, to complete study and second profession in order to prepare a better environment for professional baseball players in future.

並列關鍵字

financial behavior ； financial tools ； career planning

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