| Summary: | 碩士 === 銘傳大學 === 企業管理學系碩士在職專班 === 104 === A Study of Private School Teachers’ Participating in The Use of The
Autonomous Investment Program
Student:Ya-Mei Yu Advisor: Dr. Chin-Tan Huang
Department of Business Adminstration
Ming Chuan University
ABSTRACT
This study aims to analyze why the ratio of the conservative fund in the use of autonomous investment programs is relatively high. In addition, we will explore the factors impacting private school teachers’ wills to participate in the use of autonomous investment programs, and understand current private school teachers’ views of Private School Pension autonomous investment program in order to provide future references for possible policy amendments.
This research is to study autonomous investment program of private high school teachers. Using convenience sampling of the questionnaire as a data collection mode, a total of 500 questionnaires were sent out, and a total of 379 questionnaires were returned with 357 valid ones. A total of 75.8% return rate, and a 94.2% valid rate. After analyzing the data, the results are as following:
The factors impacting private school teachers’ wills to participate in the use of the autonomous investment program are:
The willingnesses of junior teachers to participate in the use of the autonomous investment program are lower. The willingnesses of teachers with the highest average monthly income to participate in the use of the autonomous investment program are the highest. The willingnesses of teachers having financial backgrounds to participate in the use of the autonomous investment program are higher. The willingnesses of teachers having personal financial programs to participate in the use of the autonomous investment program are higher. The willingnesses of teachers having a long time experience of finance and investment to participate in the use of the autonomous investment program are higher. The willingnesses of teachers with the highest amount of monthly finance and investment to participate in the use of the autonomous investment program are the highest. The willingnesses of teachers having higher level of risks in investment targets to participate in the use of the autonomous investment program are higher. The satisfaction and views of private school teachers to participate in the use of the autonomous investment program are related to the participations. The causes that the ratio of the conservative fund in the use of autonomous investment program is higher are as following:
The main causes that private school teachers don’t finish the Risk Assessment of their properties are they are not clear in the program contents and too busy.
The main causes that private school teachers don’t choose the combinations of the investment targets are they are too busy and the system will automatically switch to the lowest-risk combinations of the investment targets. The main cause of the high proportion of private school teachers’ autonomous investment programs switchs to the conservative fund by law is they do not complete the chooses of the Risk Assessment of their properties. When private school teachers choose the combinations of investment targets, they will consider the conservative pension to be better, and they will choose lower risks of portfolio phenomenons rather than the results of the Risk Assessment of their properties. This is why the proportion of the conservative fund is higher.
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