| Summary: | 碩士 === 南華大學 === 財務金融學系財務管理碩士班 === 100 === In recent years, teachers in elementary schools are facing the change of the retirement system and education reforms. Teachers’ salaries will soon be taxed by the government starting in 2012. However, the inflation becomes upward seriously, and the deposit interest rates are being lowered and lowered recently. Therefore, the importance of the teachers’ financial planning has been emphasized. Using questionnaire survey from the elementary school teachers in Taipei area and Chiayi area as the subjects, the study hopes to gain and analysis their financial perception, and financial behaviors. Furthermore, the study explores whether the elementary school teachers from the different background variables would have significant effects on their financial perception and financial behavior.
The results suggest that there are no significant differences in the financial perception and financial behavior among the elementary school teachers in Taipei area and Chiayi area. The study indicates that there is a positive view from in these teachers’ financial perception. Most teachers understand the importance of financial controlling, however, part of them show less interest in financial planning, and even never have investment experiences. In addition, from the different background variables such as different gender, age, marital status, number of children, monthly income, monthly savings and investment experiences have significant effects on their financial perception and financial behavior. The teachers with different degrees have no significant effects on their financial perception and financial behavior.
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