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私校中高齡教職員理財認知、理財行為及退休理財規劃之研究

紀錄類型:	書目-語言資料,印刷品 : 單行本
作者:	李錦玉,
其他作者:	傅毓儀,
出版地:	[南投縣]
出版者:	南開科技大學長期照顧與管理系福祉科技與服務管理研究所;
出版年:	民112[2023]
面頁冊數:	75葉 : 圖,表 ; 31公分+1張光碟
標題:	理財認知
標題:	Financial cognition
電子資源:	https://hdl.handle.net/11296/qy5w5q
電子資源:	https://hdl.handle.net/11296/xy4yc4
附註:	指導教授: 傅毓儀
附註:	參考書目: 葉68-70
摘要註:	面對少子化的影響，私校面臨前所未有的招生困難，導致財務危機，越來越多學校萌生退場之意。許多尚未列入專案輔導的私校，紛紛急於走向退場制度，此舉造成私校教職員工生計及工作權無保障。另一方面因低利率與高通貨膨脹時代的來臨，個人需提早做好理財規劃準備，以確保日後退休及老年生活的尊嚴與保障。本研究主要在探討私校中高齡教職理財認知、理財行為、退休理財規劃，透過不同背景變項探討對理財認知、理財行為、退休理財規劃之影響是否顯著。本研究以中部地區私校中高齡教職員為研究對象，透過網路問卷、紙本問卷方式併行資料蒐集。問卷整理回收後，以spss 22.0進行統計分析，結果顯示私校中高齡教職員對於投資理財認知相對積極，投資經驗5年以上者佔多數，且大多於50歲以下皆提早規劃退休理財，對於投資風險有良好的行為認知，並了解風險與報酬間的關聯性。在退休理財規劃中，亦針對不同的理財目標配置適合的投資商品組合，藉此增加非薪資所得收入，讓自己的退休生活有良好的品質。

私校中高齡教職員理財認知、理財行為及退休理財規劃之研究
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200 1 $a 私校中高齡教職員理財認知、理財行為及退休理財規劃之研究 $f 李錦玉
210 $a [南投縣] $c 南開科技大學長期照顧與管理系福祉科技與服務管理研究所 $d 民112[2023]
215 0 $a 75葉 $c 圖,表 $d 31公分 $e 1張光碟
300 $a 指導教授: 傅毓儀
300 $a 參考書目: 葉68-70
328 $a 碩士論文--南開科技大學福祉科技與服務管理所
328 $a 碩士論文--南開科技大學長期照顧與管理系福祉科技與服務管理所
330 $a 面對少子化的影響，私校面臨前所未有的招生困難，導致財務危機，越來越多學校萌生退場之意。許多尚未列入專案輔導的私校，紛紛急於走向退場制度，此舉造成私校教職員工生計及工作權無保障。另一方面因低利率與高通貨膨脹時代的來臨，個人需提早做好理財規劃準備，以確保日後退休及老年生活的尊嚴與保障。本研究主要在探討私校中高齡教職理財認知、理財行為、退休理財規劃，透過不同背景變項探討對理財認知、理財行為、退休理財規劃之影響是否顯著。本研究以中部地區私校中高齡教職員為研究對象，透過網路問卷、紙本問卷方式併行資料蒐集。問卷整理回收後，以spss 22.0進行統計分析，結果顯示私校中高齡教職員對於投資理財認知相對積極，投資經驗5年以上者佔多數，且大多於50歲以下皆提早規劃退休理財，對於投資風險有良好的行為認知，並了解風險與報酬間的關聯性。在退休理財規劃中，亦針對不同的理財目標配置適合的投資商品組合，藉此增加非薪資所得收入，讓自己的退休生活有良好的品質。 $u Faced with the impact of declining birth rates, private colleges are facing unprecedented difficulties in recruiting students, meeting the financial crises, and considering exiting the market. Many private colleges that have not yet been included in the government's projects for support are rushing to adopt exit mechanisms, which has caused private colleges faculty and staff to have no job security or financial stability. In addition, with the advent of low interest rates and high inflation, individuals need to prepare for financial planning early to ensure their retirement and elderly life with dignity and security.This study mainly aims to investigate the financial literacy, financial behavior, and retirement financial planning of middle-aged and elderly teachers in private colleges. The study examines whether there is a significant impact on financial literacy, financial behavior, and retirement financial planning based on different background variables. This study focuses on middle-aged and elderly faculty members in private colleges in the central region of Taiwan. The data is collected through both online and paper questionnaires. After the questionnaire was collected and organized, statistical analysis was conducted by using SPSS 22.0. The results showed that middle-aged and elderly teachers in private colleges had relatively positive attitudes towards investment and financial management. The majority of those with investment experience had been investing for more than 5 years, and most of those under the age of 50 had planned for retirement finances in advance. They also showed good behavioral awareness of investment risks and understood the relationship between risk and return. In retirement financial planning, appropriate investment product portfolios were also allocated based on different financial goals, thereby increasing non-salary income and ensuring a good quality of retirement life.
510 1 $a A study on financial cognition, financial behavior and retirement financial planning of elderly teaching and administrative staff in private colleges. $z eng
610 0 $a 理財認知 $a 理財行為 $a 退休理財規劃
610 1 $a Financial cognition $a Financial behavior $a Retirement financial planning
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801 1 $a tw $b 南開 $c 20230927 $g CCR
856 $u https://hdl.handle.net/11296/qy5w5q
856 $u https://hdl.handle.net/11296/xy4yc4

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