桃園市待業民眾理財態度與投資行為之探討

在大環境的影響之下，投資理財的意識抬頭已越來越普及化，本研究主要在探討桃園地區待業民眾理財態度與投資行為之關聯，透過問卷調查法與SPSS統計軟體的信效度分析來進行研究。問卷調查法以桃園地區待業民眾為研究對象，有效樣本為322份，其研究結果整理歸納如下：一、本次抽樣之桃園待業民眾理財的態度是比較偏向穩健型。二、本次抽樣之桃園待業民眾於投資的主要動機前三名： 1、累積財富。 2、退休生活理財規劃。 3、子女的教育基金。三、本次抽樣之桃園待業民眾投資的工具所佔比率最高為儲蓄保險，其次為股票，第三為定存。四、本次抽樣之桃園待業民眾的投資商品選擇因素，最重視的是投資商品的風險，其次是投資商品的報酬率，再來是對投資商品的了解程度，最後才是投資商品是否為財經新聞所分析的。

關鍵字

理財態度；投資行為；信度分析；效度分析

並列摘要

nder the influence of the social, political and economic environment, the awareness of investment and financial management has become more and more common. This research mainly explores the relation between the financial attitudes of unemployed people in Taoyuan City and their investment behaviors. Research is conducted through the questionnaire survey method and the reliability and validity of SPSS statistical software Analyze. The questionnaire survey method takes the unemployed people in Taoyuan City as the research object, and the effective sample size is 322. The research results are summarized as following: 1. The attitude of the unemployed people in Taoyuan in this sample is more prudent. 2. The top three main motivations for investment among the unemployed people in Taoyuan in this sample: (1)Accumulate wealth. (2) Financial planning for retirement life. (3) Education fund for children. 3. The highest proportion of investment tools for the unemployed people in Taoyuan in this sample is savings-oriented insurance, followed by stocks, and third is fixed deposits. 4. For the investment product selection factors of the Taoyuan unemployed people in this sample, the most important thing is the risk of investment products, followed by the rate of return of investment products, and then the degree of understanding of investment products, and finally is that whether the investment products are financially analyzed on the news.