The Influence of Personality Characteristics on Financial Management Risk Awareness and Financial InvestmentProducts Choice
| Autor: | CHEN SHU-YUN, 陳淑雲 |
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| Rok vydání: | 2014 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 102 As the aging population, the extension of average age and having listed the world lowest fertility rate, the dependency rises rapidly of Taiwan aging society. In order to provide the economic security of aged population, we cannot solely rely on the next generation or social insurance system. Therefore, the effective financial management to fill the gap of financial security has become an essential issue after entering the aging society. This study was investigate the influence of personality traits on financial management risk awareness and financial investment products chosen; the different personality traits cause different financial management risk awareness, some people prefer to high-risk financial investment products of high returns, while others focus on low-risk financial investment products. The sampling of this research is from junior high school teachers who live in Taichung City.With among 445 questionnaires distributed, 322 returned identified as valid. The research results as below: 1.There is a significant influence between Personality Traits and Financial Management Risk Awareness. 2.There is a significant influence between Personality Traits and Financial Investment Products Choice. 3.There is a significant difference in Financial Management Risk Awareness and Understanding of Financial Investment Products. 4.There is a significant difference in Financial Management Risk Awareness and Willingness to Invest in Financial Investment Products. Suggestions from the result are as follow: Different personality traits of teachers have different preferences towards financial investment products. The industry may hence design appropriate product mix for teachers of different personality traits. Such as proposing an extroversion teacher to have a more aggressive wealth management configuration and asset allocation plan, and increasing the ratio of mutual funds and non-guaranteed insurance; while a friendly type of customer can be recommended to get a higher ratio of guaranteed insurance, and be explained the value of the investment using a simpler and precise way to increase his understanding and willingness to invest. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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