近年來，公務員因為年金改革，退休後的退休金(福利)不復從前，不再是人們口中的鐵飯碗，公務員把大半輩子的時間耗在公務機關、克盡職守，原先預想老年生活依靠政府輕鬆生活，現在卻變成只能勉強渡日。人算不如天算，有早一步先機的公務員，猜想政府的退休年金給付靠不住，已慢慢把部份資金轉投資。讓本研究者好奇的是什麼樣的人格特質讓從事警消工作的公務員，能未雨綢繆，好好運用薪水，有一套個人的理財方法，將各種財務問題迎刃而解，檢視個人的財務狀況，建立屬於自己的一套系統式的金錢管理、理財方法，確認個人達到預期的投資目標與效果，以達到更好的生活品質。 本研究係採問卷調查法，以嘉義、彰化地區從事警消工作領域的公務人員為研究對象，研究結果發現： 一、警消人員的人格特質屬嚴謹性。 二、警消人員教育程度的高低在人格特質與理財行為上有相關性。 In recent years, due to the pension reform, public servants are no longer so-called life-long job, since the benefit after retirement is getting worse. Those who work for the government spend most of their lifetime dedicating to government agencies; in the beginning, they had a great blueprint toward life after retirement, now they need only got enough money to survive. As the saying goes, “One never arranges enough to beat changes.＂ However, there are some public servants, taking the preemptive opportunities, have gradually transferred their capital into other investing activities since they had supposed that the annuity payment wouldn't be reliable. What makes my research surprise is that what are the characteristics of the Police and firefighters, so that they can think ahead to fully utilize the salary with their own financing methods. Thus, one can build his own systematic management of capital and method of financing by reviewing personal financial status, in order to obtaining better quality of life. Based on the public servants, the police and firefighters working in Chiayi and Changhua, this research has found: I.The personality of the Police and firefighters are conscientious. II.The education of the Police and firefighters has correlation between personality and finacial behavior.
