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研究生:葉韋勝
論文名稱:工作狀況對家庭投資行為之研究
論文名稱(外文):A study on the Effects of Work Conditions on Family Investment Behavior
指導教授:李杰憲李杰憲引用關係
學位類別:碩士
校院名稱:佛光大學
系所名稱:經濟學系
學門:社會及行為科學學門
學類:經濟學類
論文種類:學術論文
論文出版年:2010
畢業學年度:98
語文別:中文
論文頁數:71
中文關鍵詞:工作狀況投資行為樣本選擇模型
外文關鍵詞:working conditionsinvestment behaviorsample selection model
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摘 要

本研究係利用中央研究院調查研究專題中心的第五期第三次「台灣社會變遷基本調查計畫」資料庫,探討家庭成員的社會經濟認知是否對家庭中的投資行為造成影響,並利用「樣本選擇模型」(Sample Selection Model)分別分析受訪者工作狀況對投資行為的影響。
研究結果顯示,所有受訪者及有投資行為受訪者對家庭投資行為的顯著變數計區分兩部分:
(一) 在所有受訪者的投資行為中,我們發現影響投資行為的非常顯著的變數有:居住地點、性別、教育程度、工作狀況(受雇或自營)、有無進修等10項變數。
(二)有投資行為的受訪者中,影響投資行為的顯著變數主要計有:年齡、教育程度、升遷機會、多久檢視一次投資內容、有無蒐集投資資料及投資決策等5項因素。
從實證結果得知,影響投資行為的非常顯著變數係為教育程度、多久檢視一次投資內容及有無蒐集投資資料三項變數,而這三項變數中,又以教育程度的影響程度最為顯著,其中當教育程度在高中(含)以上時,其投資行為的人數便明顯超過無投資行為的受訪者,所以如果我們能由提升國民教育程度來增加儲蓄率與投資參與度,藉此便可以增加個人及家計單位的財富。
Abstract
This study uses the data "Taiwan Social Change Survey 2007, Phase 5, Wave 3" from the Institute of Sociology, Academia Sinica to probe that whether family members’ socio-economic awareness affects the investment behavior in the family? The study also uses Sample Selection Model to analyze the influences of interviewees’ working conditions on their investing behavior respectively.
The study shows that the notable variables of all the interviewees and those who have investing behaviors can be separate into two parts:
(A). among the investing behaviors of all interviewees, we discover that the variables which affect investing behaviors very clearly are: living location, sex, education level, working conditions (being employed or self-runner), taking advanced-study lessons or not…etc., there are 10 variables in total.
(B). among the interviewees who have investing behaviors, there are 5 notable variables which affect their investing behaviors: age, education level, opportunities for promotion, how long to examine their investment content, gathering investing information and investing policy or not.
Knowing as a result from the substantial evidences, the significant variables which affect investing behaviors are education level, how long to examine their investment content and gathering investing information or not. Among the impact degrees of these three variables, the education level is most significant one. When the education level is higher than senior high school (which is included), the amount of having investing behaviors is clearly higher than those who not having one. Therefore, if we can increase saving rate and investing participations by enhance our citizen education level we can also increase the wealth of personal and family.
目 錄

摘要 I
Abstract II
目錄 III
表目錄 V
圖目錄 VI
第一章 緒論 1
第一節 研究背景動機 1
第二節 研究目的 4
第三節 研究方法 4
第四節 研究流程與架構 4
第二章 文獻探討 6
第一節 家庭投資行為相關文獻 6
第二節 工作狀況對投資決策相關文獻 11
第三節 樣本選擇模型相關文獻 19
第三章 資料來源說明與內容分析 24
第一節 資料來源說明 24
第二節 實證變數 25
第三節 資料分析 34
第四章 實證模型與結果分析 41
第一節 投資行為方程式的建立 41
第二節 投資金額方程式的建立 43
第三節 實證結果與分析 47
第四節 小結 54
第五章 結論與建議 55
參考文獻 57
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