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系統識別號 U0026-2707201316593100
論文名稱(中文) 台灣中高齡者老年財務準備與子女數量之關係
論文名稱(英文) Influence of the Number of Children on Financial Preparation of Middle-Aged and Older Adults in Taiwan
校院名稱 成功大學
系所名稱(中) 老年學研究所
系所名稱(英) Institute of Gerontology
學年度 101
學期 2
出版年 102
研究生(中文) 吳郁婷
研究生(英文) Yu-Ting Wu
學號 tc6001031
學位類別 碩士
語文別 中文
論文頁數 52頁
口試委員 指導教授-楊靜利
口試委員-陳寬政
口試委員-王新台
中文關鍵字 中高齡者  老年財務準備  代間資源移轉  代內資源移轉 
英文關鍵字 middle-aged and older adults  financial preparation  intergenerational transfers  Life Cycle hypothesis 
學科別分類
中文摘要 已退休老年人的經濟來源可分成社會安全制度以及個人財務準備兩部分,由於社會安全制度無法完全保障退休後的經濟生活,因此個人財務準備亦是老年經濟安全的重要部分。在台灣,「養兒防老」是個人財務準備的方式之一;雖然許多中高齡勞工期望在退休之後能依靠自己儲蓄過活,然而實際上,65歲以上高齡者最主要的經濟來源仍是子女奉養。同時,許多台灣老年人將房屋視為財務準備,因此我們將儲蓄以及房屋都視為台灣的財務準備方式。
本文將探討台灣中高齡者老年財務準備的影響因素,我們運用代間資源移轉理論,檢視子女數目較多者或子女教育程度較高者(代表父母移轉到子女的資源較多),其是否更依賴「養兒防老」而減少其他方式的老年財務準備。我們使用2003年「台灣地區中老年人身心社會生活長期追蹤調查」資料,以logistic regression進行多變項迴歸分析。依變項為老年財務準備之有無;主要的自變項為子女數量與子女教育程度,共變項包括受訪者性別、教育程度、收入、健康、配偶健康、金融知識與婚姻狀況等。
研究結果顯示:以擁有儲蓄或房屋作為財務準備之定義,子女數與財務準備並無顯著相關,顯示父母不會因為子女數較多而減少財務準備,同樣地,也不會因為未來沒有子女可依靠而預先作財務準備。而子女教育程度越高者,代表子女所得能力較佳,家庭經濟資源也相對較豐富,因此父母有財務準備的機率較高。此外,教育程度較高者、收入較高者以及有投資行為者從事財務準備的機率也較高。
本研究發現中高齡者並不會因為自己未來沒有子女可依靠而積極進行財務規劃,當這群沒有子女的中高齡者步入老年後,很有可能成為經濟較弱勢的族群。台灣許多老年人口雖擁有房屋,卻缺乏現金收入,建議針對「以房養老」政策制定明確的條例辦法,以利日後的推行。此外,改變綜合所得稅申報者與受撫養子女的免稅額以及鼓勵儲蓄,皆是未來可努力的方向。
英文摘要 Income of retired older adults comes from social security and financial preparation. However, social security cannot cover the daily expenses entirely after retired, thus financial preparation becomes an important part of Old-Age Economic Security System. In Taiwan, many parents expect to rely on money which has been saved during work by themselves after retired; however they actually depend on children for financial supports. On the other hand, the homeownership rate is high while the saving rate is low, which means many older adults regard homeownership as a way of financial preparation, so we define saving and homeownership as a financial preparation in Taiwan.
In our study, we explored the factors associate with financial preparation based on the Survey of Health and Living Status of the Middle Aged and Elderly in Taiwan. Based on intergenerational resources transfer theory, we would like to know whether people with more children or educational level of children higher which means parents transfer more resources to children, they’ll rely on children more and reduce other ways of financial preparation. Logistic regression was used to identify the factors associate with financial preparation. Saving and homeownership defined as financial preparation was the dependent variable; number of children and educational level of children were independent variables; sex, marriage, educational level, health, health of spouse, income and financial literacy were other covariates.
The result shows that there is no significant effect of the number of children on financial preparation. The higher educational level of children, the more chance parents will have financial preparation for retirement. In addition, people with higher education, higher income and better financial literacy, is more likely to have financial preparation.
論文目次 第一章 緒論 1
第一節 研究動機與目的 1
第二節 研究範圍與方法 4
第二章 文獻探討 6
第一節 資源移轉理論 6
第二節 我國目前老年經濟狀況 8
第三節 退休財務準備方式 10
第四節 老年財務準備的影響因素 11
第五節 小結 17
第三章 研究方法與研究架構 19
第一節 研究架構與研究假設 20
第二節 資料來源與變項定義 21
第三節 分析方法 25
第四章 研究結果 27
第一節 描述性統計 27
第二節 邏輯迴歸分析 37
第五章 結論與討論 42
第一節 主要研究結果 42
第二節 結論與建議 45
第三節 研究限制 47
參考文獻 48
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