進階搜尋


下載電子全文  
系統識別號 U0026-3107202013261100
論文名稱(中文) 影響退休理財規劃選擇之因素
論文名稱(英文) The factors of choosing retirement financial planning
校院名稱 成功大學
系所名稱(中) 企業管理學系
系所名稱(英) Department of Business Administration
學年度 108
學期 2
出版年 109
研究生(中文) 張祖瑜
研究生(英文) Tsu-Yu Chang
學號 R46071256
學位類別 碩士
語文別 中文
論文頁數 73頁
口試委員 指導教授-黃瀞瑩
口試委員-方世杰
口試委員-李憲達
口試委員-楊濟華
中文關鍵字 人口老化  退休規劃  計畫行為理論  知覺風險理論  投資選擇  多元邏輯迴歸分析 
英文關鍵字 Aging  Retirement  Theory of Planned Behavior  Theory of perceived risk  Multiple Logistic Regression Analysis 
學科別分類
中文摘要 台灣在面臨少子化及高齡化社會之情況下,青壯年人口扶養比逐漸提高,勞動族群為了減輕退休後所造成家人的經濟負擔,退休理財規劃成為重要的課題。本研究目的在於找出影響及早進行退休理財規劃之因素,並探討勞動族群對不同金融商品之偏好。
本研究理論基礎以計畫行為理論中態度(Attitude) 、主觀規範(Subjective Norm )、知覺行為控制(Perceived Behavioral Control) 以及行為意圖(Behavioral intention)等並且加入知覺風險(Perceived Risk)構面,研究勞動族群及早進行退休理財規劃之行為模式,並使用多元邏輯回歸分析(Multiple logistic regression analysis)找出影響金融商品選擇偏好之因素。
研究結果發現,態度、主觀規範、知覺行為控制以及知覺風險,皆對勞動族群及早進行退休理財規劃之行為意圖具顯著正面影響。
英文摘要 Due to the low birth rate and the aging society, the dependency ratio among the middle-aged population in Taiwan is increasing. To reduce household financial burden after retirement, it is significant for the workforce to manage retirement financial plans. The aim of this study is to investigate factors that effect early planning on retirement financial management and the workforce’s preferences for different financial products.

This study used the theory of planned behavior as the theoretical basis, which includes attitude, subjective norm, perceived behavioral control and behavioral intention, and involved the facet of perceived risk to analyse the behavioral model of the workforce developing early financial management plans for retirement. Using Multiple Logistic Regression Analysis, this study also examine factors that affect preferences for financial products. The results indicate that attitude, subjective norm, perceived behavioral control and perceived risk have significant positive impact on the behavioral intention of early retirement financial planning among the workforce.
論文目次 摘要 I
ABSTRACT III
INTRODUCTION IV
MATERIALS AND METHODS V
RESULTS AND DISCUSSION V
CONCLUSION V
致謝 VI
目錄 VII
表目錄 X
圖目錄 XII
第一章 緒論 1
一、勞退舊制: 2
二、勞退新制: 2
三、年金保險: 2
第一節 研究目的 9
第二節 研究貢獻 10
第二章 文獻探討 11
第一節 消費者購買決策理論 11
一、 S-O-R 模型 12
二、 Kotler 行為選擇模型 12
三、 EKB 模型(Engel-Kollat-Blackwell Model) 13
四、CDM 模型(Consumer Decision Model) 15
第二節 計畫行為理論 17
第三節 知覺風險理論 21
第四節 金融產品相關整理 24
一、股票: 24
二、基金: 25
三、定存: 25
四、儲蓄型保險: 26
第五節 研究架構 26
第三章 研究方法 28
第一節 研究變數假設 28
一、研究變數: 28
二、研究假設 29
三、變數衡量 30
(一)態度 30
(二)社會主觀規範 31
(三)知覺行為控制 32
(四)知覺風險 33
(五)行為意圖 34
四、抽樣調查 35
第四章 研究結果 37
第一節 樣本結構 37
ㄧ、年齡與退休理財規劃偏好之人次分配: 38
二、教育程度和退休理財規劃之人次分配: 39
三、可支配所得與退休理財規劃偏好之人次分配: 40
四、是否進行退休理財與退休理財規劃偏好之人數分配: 41
五、進行中之退休理財規劃與退休理財規劃偏好之人數分配: 41
第二節 因素分析及可靠度分析 43
ㄧ、因素分析 43
二、可靠度分析 44
(一)信度分析 44
(二)收斂信度(Convergent validity, CV) 44
(三)個別指標因素負荷量 45
(四)收斂效度 46
(五)區別效度(Discriminant validity, DV) 46
第三節 研究架構檢測 47
第四節 多元迴歸分析 48
第五節 多項邏輯迴歸分析 49
本研究架構經由多項邏輯迴歸分析結果及推論結果如下: 53
一、態度對金融商品選擇偏好之影響: 53
二、主觀規範對金融商品選擇偏好之影響: 53
第六節 假說與檢定結果 55
第五章 結果討論與結論 58
第一節 預期與實驗結果之落差 58
第二節 人口統計變數對各構面的影響 58
ㄧ、 性別對各構面表現的影響: 58
二、 年齡區間對各構面表現的影響: 59
三、 教育程度對各構面表現的影響: 59
四、 經濟狀況對各構面表現的影響: 59
第三節 退休理財金融商品偏好受人口統計變數的影響 60
ㄧ、性別對退休理財金融商品偏好之影響: 60
二、年齡對退休理財金融商品偏好之影響: 60
三、教育程度對退休理財金融商品偏好之影響: 61
四、經濟狀況對退休理財金融商品偏好之影響: 62
第四節 結論 62
第五節 研究限制 64
第六節 管理意涵 64
第七節 未來研究建議 65
中文 REFERENCE 67
英文 REFERENCE 67
附件ㄧ 70
參考文獻 中文 Reference
林清壽, & 梁翡真. (2013). 中高齡者參與國內旅遊行為意向之探究. In: 福祉科技與服務管理學刊.
陳明珠, 林清壽, & 廖崇凱. (2015). 中高齡者購買商業型長期照護保險行為意向之探究. 福祉科技與服務管理學刊, 3(2).
英文 Reference
Ajzen, I. (1980). Fishbein. 1975. Belief, Attitude, Intentions and Behavior: an introduction to theory and research. Reading: Addison-Wesley.
Ajzen, I. (1989). Attitude structure and behavior. Attitude structure and function, 241, 274.
Ajzen, I. (2002). Constructing a TPB questionnaire: Conceptual and methodological considerations. In.
Ajzen, I., & Fishbein, M. (1975). A Bayesian analysis of attribution processes. Psychological bulletin, 82(2), 261.
Alavi, S. A., Rezaei, S., Valaei, N., & Wan Ismail, W. K. (2016). Examining shopping mall consumer decision-making styles, satisfaction and purchase intention. The International Review of Retail, Distribution and Consumer Research, 26(3), 272-303.
Alleyne, P. (2011). Using the theory of planned behaviour and risk propensity to measure investment intentions among future investors. Journal of Eastern Caribbean Studies, 36(1), 1-21.
Arora, N. D., Hauser, J. R., & Roulston, D. J. (1982). Electron and hole mobilities in silicon as a function of concentration and temperature. IEEE Transactions on electron devices, 29(2), 292-295.
Baird, I. S., & Thomas, H. (1985). Toward a contingency model of strategic risk taking. Academy of management Review, 10(2), 230-243.
Conner, M., & Armitage, C. J. (1998). Extending the theory of planned behavior: A review and avenues for further research. Journal of applied social psychology, 28(15), 1429-1464.
Donovan, R. J., Rossiter, J. R., Marcoolyn, G., & Nesdale, A. (1994). Store atmosphere and purchasing behavior. Journal of retailing, 70(3), 283-294.
Dowling, G. R. (1986). Perceived risk: the concept and its measurement. Psychology & Marketing, 3(3), 193-210.
Dowling, G. R., & Staelin, R. (1994). A model of perceived risk and intended risk-handling activity. Journal of consumer research, 21(1), 119-134.
Featherman, M. (2001). Extending the technology acceptance model by inclusion of perceived risk. AMCIS 2001 Proceedings, 148.
Garretson, J. A., & Clow, K. E. (1999). The influence of coupon face value on service quality expectations, risk perceptions and purchase intentions in the dental industry. Journal of Services Marketing.
George, J. F. (2004). The theory of planned behavior and Internet purchasing. Internet research.
Howard, J. A. (1989). Consumer behavior in marketing strategy: Prentice Hall.
Hsu, C.-L., Chang, C.-Y., & Yansritakul, C. (2017). Exploring purchase intention of green skincare products using the theory of planned behavior: Testing the moderating effects of country of origin and price sensitivity. Journal of Retailing and Consumer Services, 34, 145-152.
Huang, C. F., & Hsueh, S. L. (2010). Customer behavior and decision making in the refurbishment industry‐a data mining approach. Journal of Civil Engineering and Management, 16(1), 75-84.
Jacoby, J., & Kaplan, L. B. (1972). The components of perceived risk. ACR Special Volumes.
Jiang, Z., Chan, J., Tan, B. C., & Chua, W. S. (2010). Effects of interactivity on website involvement and purchase intention. Journal of the Association for Information Systems, 11(1), 1.
Kollat, D. T., Blackwell, R. D., & Engel, J. F. (1972). The current status of consumer behavior research: Developments during the 1968-1972 period. ACR Special Volumes.
Kusumaningrum, T. M., Isbanah, Y., & Paramita, R. S. (2019). Factors Affecting Investment Decisions: Studies on Young Investors. International Journal of Academic Research in Accounting, Finance and Management Sciences, 9(3), 10-16.
Likert, R. (1932). A technique for the measurement of attitudes. Archives of psychology.
Lurtz, K., & Kreutzer, K. (2017). Entrepreneurial orientation and social venture creation in nonprofit organizations: The pivotal role of social risk taking and collaboration. Nonprofit and Voluntary Sector Quarterly, 46(1), 92-115.
Martinez, B., & Kim, S. (2012). Predicting purchase intention for private sale sites. Journal of Fashion Marketing and Management: An International Journal.
Mirabi, V., Akbariyeh, H., & Tahmasebifard, H. (2015). A study of factors affecting on customers purchase intention. Journal of Multidisciplinary Engineering Science and Technology (JMEST), 2(1).
Mitchell, V. W. (1999). Consumer perceived risk: conceptualisations and models. European Journal of marketing.
Phan, K. C., & Zhou, J. (2014). Factors influencing individual investor behavior: an empirical study of the Vietnamese stock market. American Journal of Business and Management, 3(2), 77-94.
Raza, S. A., Ahmed, R., Ali, M., & Qureshi, M. A. (2019). Influential factors of Islamic insurance adoption: an extension of theory of planned behavior. Journal of Islamic Marketing.
Russell, J. A., & Mehrabian, A. (1974). Distinguishing anger and anxiety in terms of emotional response factors. Journal of consulting and clinical psychology, 42(1), 79.
Sohaib, M., Hui, P., & Akram, U. (2018). Impact of eWOM and risk-taking in gender on purchase intentions: evidence from Chinese social media. International Journal of Information Systems and Change Management, 10(2), 101-122.
Sohaib, O., & Kang, K. (2015). Individual level culture influence on online consumer iTrust aspects towards purchase intention across cultures: A SOR model. International Journal of Electronic Business, 12(2), 142-161.
Umezurike, S. A., Iwu, C. G., & Asuelime, L. E. (2016). Socio-economic implications of South Africa’s foreign direct investment in Southern African development.
Warsame, M. H., & Ireri, E. M. (2016). Does the theory of planned behaviour (TPB) matter in Sukuk investment decisions? Journal of Behavioral and Experimental Finance, 12, 93-100.
Xiao, J. J. (2008). Applying behavior theories to financial behavior. In Handbook of consumer finance research (pp. 69-81): Springer.


論文全文使用權限
  • 同意授權校內瀏覽/列印電子全文服務,於2020-08-07起公開。
  • 同意授權校外瀏覽/列印電子全文服務,於2020-08-07起公開。


  • 如您有疑問,請聯絡圖書館
    聯絡電話:(06)2757575#65773
    聯絡E-mail:etds@email.ncku.edu.tw