The Relationships among Financial Perception,Financial Planning for Retirement and Financial Behavior：The Example of Junior High School Teachers in Taichung

[[abstract]]Recently, the pension reform issue has triggered heated debate. Many teachers joined the rally to protest the plan to reform Taiwan's pension system and tried to defend for their benefits. However, the new pension reform is imperative under such a circumstance. Therefore, the age of retirement for teachers in the future will be extend, and the retirement pension income for teachers will also be cut. Facing this kind of reformation, how teacher manage their finances plan will be more concerned about by the public. This research mainly discusses the current situation of teachers' financial perception, financial planning for retirement and financial behavior, and further understand the impact of financial percetion and retirement financial planning on their financial behavior. This research takes the teachers in Taichung City as the object of the study, and uses the questionnaire survey to analyze it. A total of 176 valid questionnaires were collected and analyzed by statistical analysis. The results show that most of the junior high school teachers have the correct financial planning views, and have a good investment risk awareness. As for their retirement financial planning, they are most concerned about the impact of decision-making factors. In addition, the financial behavior of the junior high school teachers tends to be positive, with great emphasis on the maintenance of good credit. According to the results of the main structure model of this research, it is confirmed that not only the personal financial percetion but also the personal retirement financial planning of the junior high school teachers will affect their financial management behavior. Therefore, if the junior high school teachers want to have better performance of investment and financial behavior, they need to improve their financial perception, and should also try to make their plans for retirement earlier. And that will have a positive impact on their financial behavior