A Study of the Investmental Insurance and Financial Planning after Global Financial Crisis for the Part-time Students of Institute Technology in Ping-tung

• Main Authors: Ya-Yu Jeng, 鄭雅瑜
• Other Authors: Chien-Wen Mo
• Format: Others
• Language: zh-TW
• Published: 2010
• Online Access: http://ndltd.ncl.edu.tw/handle/52117607912899408212

碩士 === 美和技術學院 === 經營管理研究所 === 98 === “The product of insurance investment” is popular and become an important financial product since it began launch in Taiwan. But the subprime mortgage crisis of America in 2007 leads to the catastrophes for investing banks and insurance enterprises. Does it has any different way for people when making financial planning or risk adverse degree and even the investment attitude after this serious financial crisis? On the basis of these research motivations, this study tries to investigate the effects for people with different backgrounds to investment planning, tools and attitude. Then make further investigation to examine whether investors are willing to repurchase investment-linked insurance after global financial crisis. Finally, the conclusions and suggestions can be taken as a reference for relative proprietors. This study adopts the questionnaire to investigate the investors with different variables then use factor analysis to verify the research hypothesis. The results are as follows: 1. About the question: “Choice consideration to investment target on personal financial planning”, the empirical results reveal significant differences for variables and risking planning, it inferred the investors did not take care on this dimension but take a consideration on how to manage and choose investment target after global financial crisis. 2. On the dimension of investment attitude, the question: “keep optimistic for the future stock market” is significant difference but another question: “keep optimistic for mutual fund market” is not significant difference. It inferred that mutual fund is belonged to the long-term investment so that the investors need more time to see the Return on Investment (ROI). Generally, the risk of stock market is higher than mutual fund, but investors are optimistic for the future stock market, it is inferred that investors are keep the optimistic attitude for the future economy. 3. According to the result, the interviewees with high education even with graduate school is optimistic when their consideration choose the investment target, they will choose to invest stock when in a low-interest rate times, they will know the investment combination and satisfied with the ROI, they still have the repurchase willing for investment-linked insurance. Moreover, they feel more important on investment than other education background. It inferred that they are already had some experiences and understand the economy trend on investment market, they think it is great importance on financial planning. 4. According to the result of the repurchase willing for the investment-linked insuranceinvestment insurance, the unmarried interviewees trend to choose and repurchase it. The age above 50 years old will choose it but the investors between 41 to 50 years old have not confidence with investment-linked insuranceinvestment insurance and won’t purchase it. The interviewees that average income are above 60,000 still show have the confidence with investment-linked insurance and will repurchase it after global financial crisis.