[[alternative]]A Study on Financial Perception and Financial Planning of Pre-senior Citizens for Retirement--An Example in Nantou Area

[[abstract]] 本研究主要採用問卷調查法，分析南投地區前銀髮族的退休理財認知與理財規劃現況，並進一步探討在不同背景變數下對前銀髮族其理財認知與理財規劃是否會有顯著影響。實證分析上，利用統計科學方法之描述性統計分析、信效度分析及單因子變異數分析法，將調查蒐集到的資料運用SPSS19統計軟體對資料進行分析及檢驗，驗證南投地區前銀髮族對退休理財認知與理財規劃之顯著性變數。 研究結果發現，南投地區不同背景下前銀髮族的理財認知與理財規劃具有顯著影響。前銀髮族在不同年齡、服務年資、學歷、婚姻狀況、職業種類、撫養人數、月所得、月儲蓄、投資經驗、理想退休年齡、何時準備退休金、是否有貸款皆對於理財認知及理財規劃均有顯著的影響。針對上述結果希望能讓政府相關研究單位更了解前銀髮族的退休理財認知及理財規劃，以提供符合50歲以上至64歲前銀髮者更貼切的服務與設計。[[abstract]] We collected data of current status on the financial perception and financial planning from pre-senior citizens in Nantou area by questionnaire survey and subsequently analyzed their effects under various scenarios with SPSS19.General statistics description; reliability test; validity test; and one-way ANOVA were carried out. This study reveals that the pre-senior citizens in Nantou area display a positive significance in financial perception with financial planning, they mostly are aware of the importance of financial arrangement prior to retirement. The significant affecting factors are: age, working years, education, marital status, line of trade, number of dependents, monthly income, investment experiences, an idea age to retire, point of time to save for retirement, and existing loan burden, etc. Accordingly, government and relevant institutions could make proper arrangements to accommodate to the pre-seniors adequate service and plan between 50 to 64 years old