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| Title: | 父母理財經驗對青壯年理財規劃的影響之實證分析
The empirical analysis of the influence of parents’ financial investment experience on young adults’ financial planning |
| Authors: | 許皓筑
Hsu, Hao-Chu |
| Contributors: | 吳文傑
Wu, Wen-Chieh
許皓筑
Hsu, Hao-Chu |
| Keywords: | 父母經驗
子女
青壯年族群理財規劃
Tobit模型
Heckman兩階段模型
Parents’ experiences
Children
Young adults’ financial planning
Tobit regression
Heckman-two-stage regression |
| Date: | 2022 |
| Issue Date: | 2022-07-01 16:27:37 (UTC+8) |
| Abstract: | 近年青壯年投入證券市場之趨勢越來越明顯，將資金配置於股市成為青壯年族群理財規劃一種常見的投資方法。本文使用中研院於2018年之華人家庭動態調查，探討青壯年族群在個人理財規劃方面，是否會受到父母經驗的影響，並使用Tobit模型、Heckman兩階段模型，以及OLS模型，對臺灣27至42歲投資人進行實證分析。
本文發現：一、當青壯年樣本之父母有將資產長期配置於證券市場時，平均而言其從股市獲取之股利收入金額更高；二、當青壯年樣本之父母有將資產長期配置於證券市場時，該樣本更有可能採同樣投資方法，進行長期證券投資。然而，在有進行長期證券投資之樣本中，父母有無進行長期投資不影響該青壯年樣本之股利收入金額大小。
In recent years, there are more and more young-adults investing in the stock market.Allocating assets to the stock market for a long time and obtaining dividend income has become a common investment method for personal financial planning of young-adults investors. We use the Panel Study of Family Dynamics (PSFD) surveyed by Academia Sinica to explore whether the personal financial planning of young-adult groups is affected by their parents` experience. We use the Tobit model, the Heckman two-stage model, and the OLS model to empirically analyze the investors aged 27 to 42 in Taiwan.
We find that 1. If the parents of the young-adults sample holding stocks for the long-term, the average amount of dividend income the young-adults obtained from the stock market is higher; 2. When parents hold stocks for the long-term and receive dividends, it will increase the probability that their children holding stocks for the long-term. However, to the samples with long-term investing, parents’ experiences do not affect the amount of dividend income that children received. |
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| Description: | 碩士
國立政治大學
財政學系
109255015 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0109255015 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202200588 |
| Appears in Collections: | [財政學系] 學位論文
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