| Summary: | 碩士 === 長榮大學 === 管理學院經營管理碩士班 === 106 === ABSTRACT
It has been years since the public teachers were started to be taxed in 2012. Furthermore, the legislative passage of the pension gorm plans involving civil servants and public teachers has been completed on June 29th, 2017. Under the situattion where the income replacement rate will be decreased and the retirement age will be extended, it’s an essential issue for them to have a clear understanding of the finacial resources and the effective financial management and eventually creat a happy retirement life.
Based on past related scales and research, the questionnaire survey method was adopted and the Junior high school teachers in Kaohsiung City were selected as the research subjects. The purpose of this research is to analyze the cognitive status of their money attitudes and risk preferences and to explore the different attitudes and risks associated with different demographic variables. Additionally, the differences among the money attitudes or the risk preferences were used to predict if they had any positive impacts on financial behavior.
The findings of this study have revealed that in the “Money Attitude” aspect, teachers who are unmarried and have no dependents have significant differences in the “Power-Prestige” factor; the higher amount of the personal monthly savings and the longer duration of individual investment experience, the more consequent differences can be found in the “Retention-Time” factor. In the “Risk Preference” aspect, male teachers are more risk-loving than the female ones; teachers who have investment experiences for about three years represent significant differences in “Risk Aversion”. In the aspect of “Financial Behavior”, the longer the period of “Individual Investment Experience”, the more significant the difference in “Finacial Goals” can be visible; "Power-Prestige" variable shows a significant positive effect on choosing one’s own financial management tools. Through the Regression Analysis, it indicates that the "Retention-Time" variable has the positive effect on the three varieties of financial behavior; the “Risk Preference” variable has significant positive iufluences on the “Finacial Goals” and “Financial Management Tools” factors as well.
Keywords: Money Attitude, Risk Preference, Financial Behavior
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