| Summary: | 碩士 === 國立臺灣師範大學 === 管理研究所 === 105 === This study mainly discusses five personality traits and their suitable financial products, and uses two factors : (1) Risk tolerance (2) Time pressure tolerance as the dependent variable, compared with past studies, this study begins with the measurement of the characteristics of the five personalities, the degree to which the risk tolerance and the time pressure tolerance are assessed, and then discusses whether the financial goods they choose are related to each other. This study uses questionnaires to collect data, and uses Pearson correlation analysis, ANOVA analysis, and Spearman analysis to examine whether the five personality traits are related to the sequencing of financial goods. The subjects of the study were the students of the National Colleges and universities and the second grade of the Institute, and the investment experience was mainly under one years, followed by two or three years. In this study, a total of 131 effective questionnaires were collected and the recovery rate was 87%.
The results show that extraversion and experiential openness are positively correlated with risk tolerance, and there is no significant correlation between Conscientiousness, Neuroticism, Agreeableness and risk tolerance. A person with a neurotic trait has a low time pressure tolerance; a person with a conscientious trait has a high degree of time pressure, an extrovert trait, a person with an experiential openness, and an agreeable trait that has no significant correlation with time pressure; among them, the openness to experience are higher than the agreeable characteristics of its risk tolerance, in addition, the openness to experience are higher than the conscientious characteristics of its risk tolerance. At present, there is no direct relationship between the five personality traits and the order of financial commodities. This study suggest that it should add different factors to explore if the big five personalities and financial products are related in the future, it is also possible to compare the public and professional investors by grouping, making use of the control group in the financial sector, one apply to the less experienced investors, and the other apply to professional investors to reduce the pressure tolerance of investors and to select the financial goods which suitable for them.
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