| Summary: | 碩士 === 義守大學 === 財務金融學系碩士班 === 98 === The object of study is the Elementary and Junior High School Teachers in Kaohsiung Areas. The research aims at understanding the changes of financial management strategies of elementary and junior high school teachers under the cancellation of free-tax policy and discussing the financial management’s situations before and after taxation.
The research synthesize questionnaires by consulting domestic scholars’ related studies and interviewing five people engaged in the educational field in depth, in turn, acquiring statistic results of questionnaires by SPSS software.
The findings described as follows：
1.The amount of investment allocated per month by elementary and junior high school teachers is about 10000 NT dollars, which is allocated from personal income. And members of the family would like to make a decision on investment plans personally.
2.At present, elementary and junior high school teachers choose insurance deposits, financial organizations’ funds and mutual funds as their main investment tools, and the height of investment risk and investment return rate are taken into consideration when they are making a decision.
3.Elementary and junior high school teachers acquire knowledge concerning investment by reading related information and being informed by friends and colleagues.
4.Elementary and junior high school teachers set goals and plans for investment with an attempt to accumulating wealth to guarantee the retired life and children’s future.
5.The top five factors changing investment behaviors and purposes after taxation are as follows:(1) Managing money more prudently.(2) Initiate adopting more ways to avoid taxes.(3) Pay more attention to investment information.(4) To increase income by moonlighting.(5) Changing main investment tools and so on.
6.There are no significant differences between population statistic variables, such as marriage, educational background, title and foster population, and factors that affect investment behaviors and ends after taxation. However, there are significant differences between factors, including gender,age,period ofteaching and monthly income and factors that affect investment behaviors and ends after taxation.
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