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退休理財規劃與儲蓄年金保險重要性之探討 = Financial Plan...

國立高雄大學高階經營管理碩士在職專班(EMBA)

退休理財規劃與儲蓄年金保險重要性之探討 = Financial Planning of Retirement and Importanceof Pension Insurance

紀錄類型:	書目-語言資料,印刷品 : 單行本
並列題名:	Financial Planning of Retirement and Importanceof Pension Insurance
作者:	鄭湘儒,
其他團體作者:	國立高雄大學
出版地:	[高雄市]
出版者:	撰者;
出版年:	民100
面頁冊數:	119葉圖，表格 : 30公分;
標題:	人口統計變數
標題:	Demographic Variables
電子資源:	http://handle.ncl.edu.tw/11296/ndltd/27959694327084438968
附註:	參考書目：葉97-101
摘要註:	根據聯合國的定義，一個國家 65 歲以上老年人口比重超過 7%，就算是進入高齡化社會。依照政府單位的資料顯示，台灣在 1993 年時即已進入高齡化社會，未來大部分的人在 65 歲退休之後，將仍有 15、 20 年的退休時光。因此民眾應有儲蓄、保險、退休規劃和年金保險的認知，及早開始建構自己的退休金計劃，才能享有不虞匱乏的退休生活。退休規劃是每一位還沒有達到退休年齡的人共同想要規劃的藍圖，只是不同的人口統計變數，會有不同的思考邏輯和實行方法，因此本研究冀望透過研究人口統計變數對儲蓄認知、保險認知、退休規劃認知和年金保險認知的影響，進而找出不同人口統計變數影響民眾理財和退休生活規劃的因素為何，並對保險業者和一般民眾提出具體建議，做為保險業者擬定行銷策略的依據，一般民眾也可藉此做為理財規劃及退休生活規劃的參考。本研究以問卷調查法進行，一共發放 250 份回卷，其中回收有效問卷 187 份，得到以下七點結論：一、年齡對儲蓄認知、保險認知、退休規劃認知、年金保險認知有顯著影響。二、婚姻狀況對退休規劃認知有顯著影響。三、職業對保險認知有顯著影響。四、撫養人數對退休規劃認知、年金保險認知有顯著影響。五、個人平均月所得對退休規劃認知、年金保險認知有顯著影響。六、家庭平均月所得對儲蓄認知、保險認知、年金保險認知有顯著影響。七、個人資產對儲蓄認知、保險認知、年金保險認知有顯著影響。 According to the United Nations, if the population of age over 65 reaches 7% of the total population within a country, this country is called an aging society. It is estimated that Taiwan will become an aging society in 2017. Most people in Taiwan retire at age of 65; most of them will live at least 15 to 20 years after retired. Therefore, people should have the knowledge about saving, life insurance, and retirement planning, and start to plan their pension plans earlier in order to enjoy their retirement life.Everyone should plan their own retirement plans before they retire. Due to the demographic variables, everyone will have different ideas on logical thinking and implementation. This paper is trying to find the influence of demographic variables on saving, life insurance, retirement planning and pension insurance. According to our findings, people can use it as a reference when making decisions on financial and retirement planning.After collecting and analyzing 187 valid questionnaires, we conclude the following findings:1. Age significantly influences the knowledge of saving, life insurance, retirement plan, and pension insurance.2. Marriage status significantly influences on retirement planning.3. Occupation significantly influences on life insurance cognition.4. Number of dependents significantly influences on insurance cognition.5. Personal monthly income significantly influences on retirement planning cognition and pension insurance cognition.6. Household monthly income significantly influences on saving cognition, insurancecognition and pension insurance cognition. 7. Personal assets significantly influences on saving cognition, insurance cognition and pension cognition.

退休理財規劃與儲蓄年金保險重要性之探討 = Financial Planning of Retirement and Importanceof Pension Insurance
鄭, 湘儒

退休理財規劃與儲蓄年金保險重要性之探討 = Financial Planning of Retirement and Importanceof Pension Insurance / 鄭湘儒撰 - [高雄市] : 撰者, 民100. - 119葉 ; 圖，表格 ; 30公分.
參考書目：葉97-101.
人口統計變數Demographic Variables

退休理財規劃與儲蓄年金保險重要性之探討 = Financial Planning of Retirement and Importanceof Pension Insurance
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