投資屬性、時間距離、人格特質與投資決策行為關係之研究

林玉梅

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投资属性、时间距离、人格特质与投资决策行为关系之研究

A Study on the Relationship among Investment Attribute, Temporal Distance, Personality Characteristics and Investment Decision-making Behavior

林玉梅 , 硕士　　导师：黄月春　　

繁体中文

金融消费者；投资属性；时间距离；人格特质；投资决策行为； financial consumer ； investment attribute ； temporal distance ； personality characteristics ； investment decision-making behavior

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摘要 │ 参考文献 (41) │ 国际计量

摘要〈TOP〉

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The Behavioral Finance which researching scope sometimes bases on the Prospect Theory is prevailing nowadays. That is, when financial consumers are making investment decisions under the limited rationality, they would expect to gain higher reward by learning from past mistakes. This model of behavior always causes the scholars to embark on the study of the investment behavior from a psychology view.
    This study was constructed on the above theory, be used to personality characteristics and temporal distance as the main input variables. From the perspective of different time when events occur, people also quote the investment decision-making behavior theory, trying to understand the strategy preferences of individual on their investment risks, to explore the relationship of the financial consumer's investment attribute and investment decision-making behavior.
    For the convenience of sampling, those are collected by financial management sector of a financial holding company in central Taiwan as the empirical object for the study. We design and send 250 copies of questionnaires and receive 210 valid copies of samples. The datas obtained were quantified in four dimensions in accordance with the purpose of research to establish research framework and hypothesis, regression analysis was adopted to the hypothesis step by step. Through the results of this study, it was found that:
  1.  The effect of financial consumer’s financial risk-taking tendency to investment attribute is significant positive.
  2.  The effect of financial consumer’s distance future to investment attribute is significant negative.
  3.  The effect of financial consumer’s personality characteristics to investment decision-making behavior is significant positive. 
  4.  The effect of financial consumer’s distance future to investment decision-making behavior is significant negative.
  5.  The effect of financial consumer's aggressive investment attribute to investment decision-making behavior is significant positive 
People’s perception of risk attitude and risk tolerance would have an impact on personality characteristics, thereby affecting the investment decision-making behavior.    Recommendations to financial consumers and financial service providers were made by  the research results：
    For financial consumers, they should understand their investment attribute before investing and get information about investment target. They should set up stop-loss point and take-profit point, reduce overreaction to event, avoid falling into intuitive error, and rely on in-depth thinking rather than discussing from community.
    For financial service providers, they should design suitable financial portfolio product, enhance two-way communication with financial consumer by holding financial talk and seminar, provide a self-review system of risk tolerance, teach investor to understand the new trend of investment risks, and avoid excessive marketing to financial consumers in case they lose their confidence when the investment result are not as they have expected. With the coming of Fin Tech in the future, at first, it is necessary to strengthen their economic analysis ability and focus on estate planning rather than marketing. Next, it is necessary to use large data analysis on financial technology more often to understand financial consumer's psychological needs and ideas. By doing so, they may be able to provide customized services to create a win-win opportunity.

参考文献 ( 41 ) 〈TOP〉

17. 陈俊宇（2008），「建立一个具效率前缘的投资组合应用於国际主要股票市场」，成功大学统计学研究所硕士论文。
连结：
18. 陈景焕 (2008)，「人格特质、投资资讯来源与投资行为有关吗?」－理财规划顾问投资行为之探讨，中正大学企管研究所硕士论文。
连结：
24. 彭毓珍（2003），「台湾股票与指数期货市场投资者行为之研究」，成功大学管理学院高阶管理硕士在职专班论文。
连结：
26. 曾光辉 (2008)，「投资者之风险属性与基金理财绩效之实证研究」，中央大
连结：
28. 刘信贤，周轩逸 (2014)，「可比较性对知觉涨价与再购意愿的影响」，管理学报，2014年，31卷，1期，页41－43。
连结：

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引用含有DOI的文献

DOI可强化引用精确性、增强学术圈连结，并给予使用者跨平台的良好使用经验，目前在全世界已有超过五千万个对象申请DOI。 如想对DOI的使用与概念有进一步了解，请参考 （ ） 。

DOI可强化引用精确性、增强学术圈连结，并给予使用者跨平台的良好使用经验，目前在全世界已有超过五千万个对象申请DOI。如想对DOI的使用与概念有进一步了解，请参考（）。