| 摘要: | 本研究旨在瞭解雲林縣、嘉義縣、嘉義市、台南市等地區，成年民眾理財認知與理財行為之差異，以網路發放方式進行問卷調查，回收有效問卷共計343份。樣本主要集中在男性較多，年齡層主要集中在31-40歲，職業屬性以服務業為主，最高學歷以大學為主，收入最多落在30,000~45,000元之間，每月儲蓄金額以落在5,000~15,000元為主，未婚與無扶養人數者居多，受訪者中63.56%的民眾有投資經驗，55.10%的民眾沒有借貸款情形。 實證結果發現，不同居住地、職業之成年民眾僅在理財工具選擇上具有明顯差異，對理財認知則無。不同性別、年齡、婚姻狀況、撫養人數、個人月收入、個人月儲蓄以及投資經驗之成年民眾，在理財認知與理財工具選擇上有顯著差異，但學歷僅對理財認知的風險認知構面與理財工具的理財行為構面有顯著差異，其餘構面則無。
The purpose of the study was to assess the differences between financial perception and financial behavior of the adult in Yunlin County, Chiayi County, and Chiayi City as the subjects. Questionnaires Qurveyd from the Internet, and 343of them were valid. Most of the objects were male participants aged 31 to 40. They wored in service industry and held bachelor's degrees, their monthly income ranged from 30,000 to 45,000, and the monthly saving ranges from 5,000 to 15,000. Most of the participants were unmarried. Around 64 percent respondents were not in debt. The result suggested that there were significant differences in financial tools chosen by people of different occupations and in differen residences, while there were no differences in financial perception. From the different background variables such as different gender, age, marital status, number of children, monthly income, monthly savings and investment experiences had significant effects on the adult choices of financial perception and financial tools. The adult with degrees only had significant effects on financial behaviors of financial tools and risk of financial perception, while others did not. |
