| Abstract: | 近年來物價持續上漲，加上前幾年嚴重的新冠肺炎來勢洶洶，無疑雪上加霜，銀行定期存款利率已長期處於低檔，甚至無利率可言，讓教師覺得實際薪資所得有所減少，且經歷政府大刀闊斧的改革下，退休金岌岌可危，故大多數教師認為好好理財有其必要性。這篇研究主要是採用問卷調查法。調查的對象是以大臺北和大臺中地區的教師群為主，研究工具再用自編的「探討疫情期間教師主動收入的規劃與被動收入的創造之研究調查問卷」進行探討分析臺北地區與臺中地區的教師群，就其對主動收入的規劃與被動收入的創造之實際情況，再進一步探討教師在不同背景與環境的變項下，是否會影響其財務的規劃和創造。經過研究探討後，發現大臺北地區與大臺中地區教師群主動收入的規劃與被動收入的創造，其差異性不大。甚至其主動收入的規劃和被動收入的創造是趨向正向，這反映教師都瞭解兩者的重要性，然而有些教師未曾有過創造被動收入的經驗，有些教師只是規劃主動收入，但對創造被動收入興致缺缺。最後教師在不同背景變項中，本研究樣本在單因子變異數分析中，如:任教服務地區、年齡層、學歷、婚姻狀況、月儲蓄與投資理財的經驗，疫情期間對主動收入的規劃和被動收入的創造有顯著影響；然而，不同性別、主要扶養人數、月主動收入疫情期間對兩者沒有顯著影響。本研究亦發現疫情期間，教師主動收入的規劃和被動收入的創造有正相關，這表示教師的投資理財觀念不再像以前一樣保守，隨著時代的變遷和環境的改變，大部分教師已越來越重視投資理財的重要性與必要性。
In recent years, prices have continued to rise, and the severe new coronary pneumonia in the past few years has undoubtedly made things worse. The bank's fixed deposit interest rate has been at a low level for a long time, and there is no interest rate at all, which makes teachers feel that their real salary income has decreased. Under the reform, pensions are at stake, so most teachers believe that it is necessary to take good care of money. This study mainly used the questionnaire survey method. The object of the survey is mainly teachers in Greater Taipei and Greater Taichung. The research tool used the self-edited "Research Questionnaire to Explore Teachers' Active Income Planning and Passive Income Creation during the Epidemic" to analyze Taipei and Taichung. The teachers in the region will further explore whether teachers' financial planning and creation will be affected by the variables of different backgrounds and environments, based on the actual situation of their active income planning and passive income creation. After research and discussion, it is found that there is little difference between the planning of active income and the creation of passive income for teachers in Greater Taipei and Greater Taichung. Even the planning of active income and the creation of passive income tend to be positive, which reflects that teachers understand the importance of both. However, some teachers have no experience in creating passive income. Lack of interest. Finally, among the different background variables of teachers, the samples in this study are in the one-factor variance analysis, such as: teaching service area, age group, education background, marital status, monthly savings and investment and financial management experience, planning and planning of active income during the epidemic and Passive income creation had a significant effect; however, gender, number of primary dependents, and monthly active income during the pandemic had no significant effect on either. This study also found that during the epidemic, teachers' active income planning and passive income creation were positively correlated, which means that teachers' investment and financial management concepts are no longer as conservative as before. With the changes of the times and the environment, most teachers have become more More and more attention is paid to the importance and necessity of investment and financial management. |
