金融知識與退休金規劃關聯性之研究__臺灣人文及社會科學引文索引資料庫

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題名：	金融知識與退休金規劃關聯性之研究
書刊名：	管理學報
作者：	蕭育仁／陳錦村／廖志峰
作者(外文)：	Hsiao, Yu-jen／Chen, Jing-twen／Liao, Chih-feng
出版日期：	2016
卷期：	33:2
頁次：	頁311-335
主題關鍵詞：	金融知識；金融宣導教育；退休金規劃；Financial literacy；Financial education；Retirement planning
原始連結：	連回原系統網址
相關次數：	被引用次數:期刊(3) 博士論文(0) 專書(0) 專書論文(0) 排除自我引用:3 共同引用:3 點閱:39

本文旨在根據金融監督管理委員會2011 年所做的第三次國民金融知識調查結果，探討金融知識程度對退休金規劃程度的影響。根據Order Logit 迴歸實證結果顯示，金融知識程度對民眾退休金規劃程度具有顯著的正向影響，說明金融知識程度愈高的民眾其退休金規劃愈多元完善，而且又以保險與退休金規劃方面的金融知識對退休金規劃程度的影響力最大。此外，本文也發現年平均所得次高（介於123~215 萬）的家庭，較積極進行退休金規劃；但男性與工作狀態為家管民眾則較不積極。最後，金管會的電視節目與金融文宣資料有助於提升民眾進行退休金規劃。

以文找文

This paper uses the Order Logit regression model to study the relationship between financial literacy and retirement planning. The sample is based on the 2011 Third Undertaken National Financial Literacy survey by Financial Supervisory Commission (FSC) in Taiwan. We find a strong and positive relationship between financial literacy and retirement planning; those who are more financially knowledgeable are more likely to plan for retirement. We further determine that people who are literate in insurance and pension planning are more likely to plan for retirement. In addition, we find family earning the second highest average annual income (between NTD $1,230,000 ~ $2,150,000) have a high probability to plan for retirement. However, the male and family workers think less often about retirement. Finally, TV shows and propaganda handouts of financial information from the FSC are beneficial to retirement planning.

以文找文

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研究報告
1.	陳錦村、蕭育仁(2011)。國民金融知識水準第三次實地調查之研究。延伸查詢

圖書
1.	Organisation for Economic Co-operation and Development(2005)。Improving financial literacy: Analysis of issues and policies。Paris：OECD。
2.	Greene, William H.(2003)。Econometric Analysis。Prentice-Hall, Inc.。

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