人格特質及投資經驗對投資標的選擇之影響：以臺中市消防員為例

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Title:	人格特質及投資經驗對投資標的選擇之影響：以臺中市消防員為例 The Influence of Personal Traits and Investment Experience on the Choice of Investment Targets: Taking Firefighters in Taichung City as an Example
Authors:	張瑋文 Chang, Wei-Wen
Contributors:	財務金融學系碩士在職專班
Keywords:	人格特質;投資經驗;投資標的;羅吉斯迴歸 personality traits;investment experience;investment target;logistic regression
Date:	2019
Issue Date:	2019-10-28 02:03:42 (UTC+0)
Publisher:	亞洲大學
Abstract:	國內年金改革已於107年7月開始實施，使得公務員退休後的保障遭到無情的壓縮且不得兼職。隨著消費者物價指數逐年攀升，為抵抗大環境變遷帶來的物價衝擊，投資金融商品對公務員來說是另一增加收入的方式。然而剛進社會或正準備進行金融商品投資的投資人，可能徬徨於如何選擇投資標的。因此本研究將探討人格特質及過去的投資經驗與選擇投資標的間之關係，冀望能成為投資人及金融業者的工具書，加速彼此了解投資的需求。本研究以網路問卷及紙本問卷方式蒐集資料，並針對臺中市消防員的「內控傾向」、「外控傾向」、「風險承擔」、「自我肯定」等四大類人格特質及「投資經驗」以二元羅吉斯迴歸探討與投資標的之關係。研究結果顯示內控傾向人格特質與各投資標的的選擇間無相關性；外控傾向人格特質與投資期貨間呈正相關、與儲蓄型保險則呈負相關；風險承擔人格特質與投資基金及期貨間均呈正相關、與投資定存則呈負相關；自我肯定人格特質與投資定存間呈正相關、與投資儲蓄型保險則呈負相關；投資經驗與選擇投資標的均呈正相關。最後，本研究的結論為人格特質及投資經驗與選擇投資標的間皆有一定的相關性，因此本研究所設計之問卷可能可以協助投資者與金融業者加速了解投資的需求。 The domestic annuity reform was implemented in July 2017, so that the security of the civil servants after retirement is ruthlessly compressed and cannot be part-time. As the consumer price index climbs year by year, investing in financial instruments is another way for civil servants to increase their income in order to counter the price shocks brought about by the changes in the environment. However, investors who are new to society or are preparing to invest in financial instruments or commodities may be tempted to choose the investment target. Therefore, this study will explore the relationship between both the personality traits and past investment experience and the choice of investment targets, and hope to serve as a reference for investors and financial industry to accelerate the mutual understanding of investment needs. This study uses online questionnaires and paper questionnaires to collect information on four categories of personality traits, which are "internal control tendency", "external control tendency", "risk commitment" and "self-affirmation", and "investment experience" of Taichung City firefighters. Using the binary Logit regression analyses, this study explores the relationship between both the personality traits and investment experience and the choice of investment targets. The results show that there is no correlation between internal control tendency personality traits and selection of investment targets, the external control tendency personality trait is positively correlated with futures investments, and negatively correlated with savings insurances; the risk personality trait is positively correlated with funds and futures investments, and negatively correlated with deposit investments; self-affirmation personality is positively correlated with deposit investments, and negatively correlated with savings insurances. There is a positive relationship between investment experience and all investment targets. Finally, the conclusion of this study is that there is a certain correlation between both the personality traits and investment experience and the choice of investment targets. Therefore, the questionnaire designed by this study should help investors and financial industry to accelerate the understanding of investment needs.
Appears in Collections:	[Department of Finance] Theses & dissertations

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