投資經驗、風險態度、投資知識、資訊來源對金融從業人員與非金融從業人員選擇理財商品的影響

Abstract

本研究主要探討投資經驗、風險態度、投資知識及資訊來源對金融從業人員與非金融從業人員在選擇理財商品的影響，透過問卷方式針對大台北地區目前從事金融相關工作的從業人員及非金融從業人員之樣本進行研究。實證結果發現：一、投資的金融商品知識認知越多，對於投資理財商品的風險選擇變化則認知越高及有較高的風險承受能力。而投資經驗越高對於投資理財商品風險的選擇則會降低。二、在投資經驗、風險態度、投資知識、資訊來源對於金融從業人員及非金融從業人員選擇投資理財商品没有影響性。三、在人口統計變項上「年資｣及「没有金融相關證照｣，結果是有顯著。在年資部份，26年以上的族群中，對於金融商品的知識認知越多，則對於理財商品的風險選擇變化則會越有認知。而投資經驗越多，對理財商品的風險選擇變化則會降低。另在没有金融相關證照的組別中，投資經驗及風險態度對於理財商品的選擇則是有相關的。This study mainly explores the influence of investment experience, risk attitude, investment knowledge and information sources on financial practitioners and non-financial practitioners in their choice of financial tools. Through questionnaires, it is aimed at practitioners and non-financial practitioners currently engaged in financial-related work in the Greater Taipei area. A sample of people was studied. The empirical results found that:1. The more knowledge you have about investing in financial products, the more you will have a better understanding of the changes in the risk selection of investment and wealth management products and have a higher risk tolerance. The higher the investment experience, the lower the risk of investing in wealth management products.2. In terms of investment experience, risk attitude, investment knowledge, and information sources for financial practitioners and non-financialThe choice of investment and wealth management products by practitioners has no influence.3. On the demographic variables"seniority" and "no financial-related license", the results are significant. In terms of seniority, the more knowledgeable about financial products, the more knowledge about financial products, the more knowledgeable about the risk selection changes of wealth management products. The more investment experience you have, the less risk you have to choose from wealth management products. In addition, in the group without financial-related licenses, risk attitude and investment experience are relevant to the selection of financial products.