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    題名: 銀行業財富管理人員如何為自己規劃退休金之研究:以臺北地區為例
    其他題名: The study of the impact on the bank's financial planer to plan their retirement in Taipei
    作者: 賴玉芳;Lai, Yu-fang
    貢獻者: 淡江大學保險學系保險經營碩士在職專班
    繆震宇;Maio, Chen-yu
    關鍵詞: 財富管理;退休金規劃;wealth management;retirement planning
    日期: 2007
    上傳時間: 2010-01-11 02:08:05 (UTC+8)
    摘要: 本研究主要探討銀行業財富管理人員為自己規劃退休金之主要考量及運用的投資工具。研究內容包含下列各點:一、探討銀行業財富管理人員本身對於退休規劃之看法。二、瞭解銀行業財富管理人員對於退休規劃所採取的投資工具。三、進一步瞭解銀行業財富管理人員在性別、年齡、婚姻狀況、子女人數、教育程度、分行位置、從事金融業及財富管理工作年資、個人年所得、具備之證照數及個人投資風險屬性等不同背景與經歷下,對於自己在退休年齡、退休後每月生活費、退休後之所得替代率及退休規劃的期望報酬率造成之差異影響。
    本研究以十七家銀行機構位於台北地區之分行財富管理或理財專員為研究樣本,本次總計發放300份問卷,回收202份問卷,其中有效問卷為202份,回收率為67.3%,有效問卷率為67.3%。研究方法有敘述性統計分析之次數分配及百分比、交叉分析、卡方獨立性檢定。
    本研究結果為:一、銀行業財富管理人員有大約五成預計退休年齡在51~60歲之間;在預計退休後每月之生活費至少在30,001~50,000元之間;在所得替代率的部份,則以51%~60%較多。二、銀行業財富管理人員對於退休規劃工具的選擇偏好「海外基金」(85.64%)及每月提撥金額為10,000~20,000元之間做退休規劃者居多,期望報酬率為10%以上。三、影響財富管理人員退休規劃的因素為年齡、教育程度、理財規劃總年資、具備證照數、個人投資風險屬性。
    This study investigated the bank’s financial planer planning for their own retirement and the main considerations of the use of investment instruments. The study included the following points : 1, the banking industry to explore their own financial planer planning for retirement 2, understand the investment instruments bank’s financial planer planning for the retirement 3, further understanding of bank’s financial planer in gender, age, marital status, number of children, education level, the branch location, working period in the financial industry and the wealth management, personal income, license and personal investment risks .With different backgrounds and experiences, there are different influence in their own retirement age, monthly living expenses after retirement, retirement income replacement rate and the expectation return rate .
    In this study, take the sample from 17 banking branches of wealth management or financial management located in Taipei. The total payment of 300 questionnaires were distributed and 202 questionnaires were returned, of which effective questionnaires were 202,.The return rate for questionnaires is 67.3%, and the effective rate for questionnaires is 67.3%. Research methods are descriptive statistical analysis of the frequency distribution and percentage, the cross-analysis, and independence using the chi-square distribution.
    The results of this study are : 1, about 50% bank’s financial planer expected retirement age between 51 ~ 60 years old; The expected retirement monthly living expenses at least between NT$30, 001 ~ NT$ 50,000; the retirement income replacement rate is 51% ~ 60%. 2. bank’s financial planer for retirement planning tools prefer "overseas funds" (85.64%) and allocate NT$ 10,000 ~ NT$20,000 monthly doing retirement plan. The expectation return rate is 10% and above. 3, the impact factors of the bank’s financial planer planning retirement are age, education level, working period in the wealth management, license and personal investment risks.
    顯示於類別:[保險學系暨研究所] 學位論文

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