公務人員在退撫基金中的投資態度之研究

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Title:	公務人員在退撫基金中的投資態度之研究
Other Titles:	A study of the public service pension fund participants' investment behaviors-the case of Taiwan public servants
Authors:	陳晟君;Chen, Cheng-chun
Contributors:	淡江大學保險學系保險經營碩士班陳登源;Chen, Ding-yuan;陳怡如;Chen, Yi-ju
Keywords:	資產配置;投資態度;順序型邏輯斯迴歸模式;Asset Allocation;investment attitude;ordinal logistic regression model
Date:	2009
Issue Date:	2010-01-11 02:04:24 (UTC+8)
Abstract:	本文旨在探討台灣的退撫基金中的公務人員對於退撫基金的資產配置選擇，並應用順序型邏輯斯迴歸的比例勝算模式來探討人口統計因素「性別」、「年齡」、「俸點」、「教育程度」以及「職系部門」是否與資產配置有顯著的關聯性，更期望這些研究結果將有助於主管機關，有效掌控退休基金推廣教育工作方向。在2001年的調查結果顯示，「年齡」以及「俸點」為影響投資態度選擇的可能因素，較年輕者傾向選擇積極資產、高俸點者選擇較保守資產。在2003年的調查結果則顯示「性別」、「教育程度」以及「職系部門」都是影響投資態度選擇的可能因素，男性、高學歷者或是任職於人事行政、財稅行政及金融保險部門者在資產配置中，願意選擇較積極資產。在2005年的調查結果顯示「職系部門」為影響投資態度選擇的可能因素，其中以會計審計部門任職者傾向選擇較積極資產。在2007年的調查結果顯示「年齡」、「俸點」以及「職系部門」皆為影響投資態度選擇的可能因素，較年輕者、高俸點者以及會計審計部門任職者傾向選擇積極資產。本文研究結果亦發現公務人員的投資態度皆偏保守類型，為了達到有效資產配置，本文建議可加強金融教育等課程，以提升公務人員之金融知識。 The aim of this study is to explore investment attitudes of Taiwan civil servants about the Public Service Pension Fund (PSPF) with which they are participating. Ordinal logistic regression models are employed to reveal the influences of gender, age, wage, education and department on asset allocation. The research findings can be used as reference resources for the Supervisor Board of PSPF. The study results indicate that predictor variables of age and wage have impact on investment attitudes of Taiwan civil servants in 2001. For example, civil servants with younger age prefer to choose higher risk asset, and those with higher income take conservative attitudes to allocate asset. In 2003, gender, education and department have significant influences on investment attitudes, in which male civil servants, highly educated civil servants and those who work at departments of personnel administration, taxation administration as well as banking and insurance prefer higher risk assets. In 2005 department variable is the only impact factor, workers at accounting and audit department are inclined to choose more aggressive asset allocation. In 2007 the variables of age, wage and department have major influences on investment attitudes, among them civil servants with younger age, higher income, and working at accounting and auditing department reveal stronger willing to choose active assets. Finally, we find the public servants are with more conservative investment attitute to their pension fund, because of this finding, we suggest regular and formal pension investment education to the public servants will be an emergent issue.
Appears in Collections:	[Graduate Institute & Department of Insurance Insurance] Thesis

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