知覺風險對理財行為的影響－金門出生者與非金門出生者

Perceived risk and the Financial Behavior: Native and Nonnative of Residents of Kinmen

10.29429/JSLHR.201906_14(2).02

陳應惠(Ying-Hui Chen)；呂曉媛(Hsiao-Yuan Lu)；杜佩蘭(Pey-Lan Du)；楊心寧(Hsin-Ning Yang)

知覺風險 ； 理財行為 ； 金門 ； perceived risk ； Financial Behavior ； Kinmen

運動休閒餐旅研究

14卷2期（2019 / 06 / 01）

15 - 41

繁體中文

本研究探討是否當地出生者其知覺風險（績效風險、心理風險與社會風險）對理財行為（儲蓄行為與投資行為）的影響。以金門縣居民有效問卷333份，採驗證性因素分析、相關分析、差異分析及廻歸分析等來檢測量表及驗證假設。研究結果為一、知覺風險（績效風與社會風險）對理財行為（儲蓄行為及投資行為）有顯著的正向效果；二、「出生地」在知覺風険與理財行為間扮演著調節效果的角色。

This paper investigated the effect of birthplace against the perceived risk (performance risk, psychological risk and social risk) and financial behavior (saving behavior and investment behavior) through samples differentiated. We presented results from 333 residents of Kinmen County and tested two scares with confirmatory factor analysis, correlation analysis, variance analysis, and regression analysis were performed to examine hypotheses. We observed that (1) perceived risk (performance risk and social risk) had significant positive effect on financial behavior (saving behavior and investment behavior) and (2) birthplace had a moderating effect on the relationship between perceived risk and financial behavior.

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