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    题名: 性別對客戶風險屬性評量的影響探討
    The Impact of Gender on Questionnaires of Investors’ Risk Tolerance
    作者: 徐文慧
    Hui, Hsu Wen
    贡献者: 周冠男
    徐文慧
    Hsu Wen Hui
    关键词: 風險屬性評量表
    商品風險等級
    性別
    客戶風險承受能力
    Personal Investment Worksheet
    Risk level
    Gender
    Risk tolerance
    日期: 2021
    上传时间: 2022-02-10 13:01:51 (UTC+8)
    摘要: 過去學者研究指出性別是影響投資行為其中一項重要的因素，但經本研究審視T銀行之風險屬性評量表後發現，T銀行未將性別題項列入，因此本研究利用T銀行填答風險屬性評量表之受訪者資料進行分析，來探討性別是否可列入題項，使PIW設計更能全方位了解客戶風險承受能力和適合的投資類型。研究結果發現年齡與性別之商品風險等級承受相關，且本研究逐步迴歸分析指出，專業程度對男性或者是女性都是同要最重要的、可容忍損失對於男性相對重要，而女性較不在意、女性可動用資金不具解釋力，得出性別在投資中具有重要的意涵，且在實務上能夠作為風險承受能力的參考結論。
    Men and women have different risk tolerance, and there is a considerable amount of general literature on Behavioral Finance of gender. However, T Bank did not include gender attributes in the Personal Investment Worksheet (PIW). This paper studies 158,046 PIW submitted to the T bank. This research focuses on the relationship between 14 attributes of PIW and gender. The results of this study showed a correlation between age and gender, and the importance of 14 attributes to gender. These findings have implication for T bank
    參考文獻: Bajtelsmit, V. L., & VanDerhei, J. A. (1997). Risk aversion and retirement income adequacy. Positioning pensions for the twenty-first century, 45-66.
    Barber, B. M., & Odean, T. (2001). Boys will be boys: Gender, overconfidence, and common stock investment. The quarterly journal of economics, 116(1), 261-292.
    Charness, G., & Gneezy, U. (2012). Strong evidence for gender differences in risk taking. Journal of Economic Behavior & Organization, 83(1), 50-58.
    Cordell, D.M., (2001). RiskPACK: How to evaluate risk tolerance. Journal of Financial Planning 14(6), 36-40.
    Cordell, D.M., (2002). Risk tolerance in two dimensions. Journal of Financial Planning 15(5), 30-35.
    Dwyer, P. D., Gilkeson, J. H., & List, J. A. (2002). Gender differences in revealed risk taking: evidence from mutual fund investors. Economics Letters, 76(2), 151-158.
    Finucane, M. L., Slovic, P., Mertz, C. K., Flynn, J., & Satterfield, T. A. (2000). Gender, race, and perceived risk: The`white male`effect. Health, risk & society, 2(2), 159-172.
    Hinz, R. P., McCarthy, D. D., & Turner, J. A. (1996). Are women conservative investors? Gender differences in participant-directed pension investments.
    Jianakoplos, N. A., & Bernasek, A. (1998). Are women more risk averse?. Economic inquiry, 36(4), 620-630.
    Olsen, R. A., & Cox, C. M. (2001). The influence of gender on the perception and response to investment risk: The case of professional investors. The journal of psychology and financial markets, 2(1), 29-36.
    Pan, C.H., Statman, M., (2013). Investor personality in investor questionnaires. Journal of Investment Consulting 14(1), 48-56.
    Powell, M., & Ansic, D. (1997). Gender differences in risk behaviour in financial decision-making: An experimental analysis. Journal of economic psychology, 18(6), 605-628.
    Riley Jr, W. B., & Chow, K. V. (1992). Asset allocation and individual risk aversion. Financial Analysts Journal, 48(6), 32-37.
    Sunden, Annika and Brian Surette. (1998) “Gender Differences in the Allocation of Assets in Retirement Plans.” American Economic Review, 88, , pp. 207–221.
    Yook, K.C., Everett, R., (2003). Assessing risk tolerance questioning the questionnaire method. Journal of Financial Planning 16(8), 48-55.
    周宥妤（2016）。性別與投資行為偏誤：現存狀態、保守性、可取性及損失趨避偏誤。世新大學，臺北市。
    林奕伸（2010）。台灣地區共同基金投資人投資行為之影響因素分析。國立政治大學，台北市。
    高敏誠（2018）。性別對風險承擔、處置效應及過度自信之差異。國立屏東大學，屏東縣。
    描述: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    109932124
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0109932124
    数据类型: thesis
    DOI: 10.6814/NCCU202200044
    显示于类别:[經營管理碩士學程EMBA] 學位論文

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