The Impact Study of Retirement Plan of Private Enterprise Employee

• Main Authors: Chi-chen Chang, 張吉政
• Other Authors: Wen-Bin, Su
• Format: Others
• Language: zh-TW
• Published: 2005
• Online Access: http://ndltd.ncl.edu.tw/handle/3e7h7q

碩士 === 朝陽科技大學 === 保險金融管理系碩士班 === 93 === This research is probe into the impacts to the private enterprise employee which is planning their needs after retirement. The research contents the following parts: 1、 The present situation of economy ensures of the private enterprise employee. 2、 Probe into the influence of sex, age, marriage, numbers of children, education, occupation, position, monthly income, seniority and habitation upon the retirement will-such as retirement age, expecting living cost after retirement, and capability for retirement planning-such as monthly budget for pension , average investment rewards, and personal risk sustaining. 3、 Probe into the correlation of expected income substituting rate between of retirement will, capability for retirement planning and personal risk sustaining. 4、 The suggestion of retirement plan for private enterprise employee. The object of this research include the employee whose over 35 year old and working in north, midland and southern Taiwan private enterprise which is having pension plan against labor law, and been carry on specific interview via sales of ING life insurance company. Granting 900 questionnaires totally, retrieve 402 questionnaires, there are 372 effective questionnaire, the rate of recovery is 44.7%, the effective questionnaire rate is 41.3%. The research method include: Frequency distribution and percentage of Descriptive Statistics Analysis, Cross analysis contingency table, Chi-square test of independence , Kendall''s tau-b and Spearman correlation coefficient and Multi-regression analysis. This result of study as following: 1、 If the private enterprise employee wants to living as their desirable life, they can’t just account on social insurance or business pensions. They have to setup the desirable expected income substituting rate and living stander and saving form propriety investment and assets dispose to raise the monthly budget and investment rewards rate to approach the goal. 2、 The main influence events of retirement will are: age, occupation, position and the monthly salary. The minor influence events of retirement will are: marriage, numbers of children, education, seniority, and personal risk sustaining. The main influence events of capability for retirement planning are: age, marriage, numbers of children, education, occupation, position, monthly income, seniority, and personal risk sustaining. The minor influence event is sex. There is positive relevance between expected income substituting rate after retirement and expected monthly living cost after retirement, monthly pension budget at present, expected average investment rewards rate, personal risk sustaining, education, marriage. And there is negative relevance between expected income substituting rate after retirement and age and position.