| Summary: | 碩士 === 健行科技大學 === 財務金融系碩士班 === 106 === Under the influence of multiple factors such as longevity, low births, lack of marriage, and annuity reform in the current social environment. To explore the behavior of planning and its impact factors for the pension reserve by the elementary school teachers in this study. Questionnaires were used to be the data survey method for collecting respondents'' expectations and plans for future retirement, the current financial tools for their pension preparation, and respondents’ risk attributes. The questionnaire survey period for this study was from October 1, 2016 to January 31, 2017. The primary school teachers in Taoyuan City were the survey samples of the study. Heckman''s (1979) two-stage sample selection model was used in the empirical model for this study. Under the condition that pensions have been initiated, we discussed: the impact factors of the actual amount of monthly pension provision made by the respondents, the impact factors of difference between the “actual amount” and “expected amount” of the respondents’ pension provision, the factors of influence if respondents’ took savings insurance as a tool for pension provision or not, the impacts of influence the annual insurance premium paid by respondents, the factors for affecting actual use of financial instruments, the impacts factors if there are any differences between the actual use of financial tools and the expected use of financial tools, the factors that affect the expected monthly living expenses after retirement, and the influencing factors of the actual monthly living expenses after retirement.
According to empirical results, it is shown the higher income earners, lack of mortgage lenders and full-time teachers are more ability of initiating pension preparations. Under the conditions of proposing behavior, it is found that people who currently have mortgages, those who think that the government’s retirement policy is helpful for their living after retirement, and risky lovers will have less amount of pensions preparing, and those who have higher income and their actually amount of pensions prepare is higher than their expected amount of pensions prepare. However, the married person, the economic burden at home, the higher the current living expenses, the current mortgage loan, the amount of the actual amount of pension will be lower than the expected amount of the proposed amount. Moreover, the female who educated background with college of law and business and college of arts, they prefer to use savings insurance as a tool to prepare pensions. The higher the annual premium paid and the risky lovers, the higher current living expenses, the less they like to use savings insurance as a tools for pension prepare. Males use more financial tools than women when the respondents are older and the less financial tools they use. The current monthly cost of living and the expected monthly retirement is higher when the respondents have higher income and have serious patients need to be taken care at home. However, the respondents have higher cost of current and retired livings when the respondents have the burden of mortgage loans.
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