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    Title: 公教人員人口比例對儲蓄率的影響-以臺灣縣市為例
    The Impact of the Proportion of Public and Educational Personnel on the Savings Rate-Evidence from Taiwan
    Authors: 韋崇營
    Wei, Chung-Ying
    Contributors: 黃智聰
    Jr-Tsing Huang
    韋崇營
    Wei, Chung-Ying
    Keywords: 公教人員
    行政區
    儲蓄率
    Savings Rate
    Public and Educational Personnel
    Administrative District
    Date: 2023
    Issue Date: 2023-08-02 14:17:13 (UTC+8)
    Abstract: 本研究探討臺灣地方行政區公教人員比率對行政區儲蓄率之影響及儲蓄率之空間效果。為了將一行政區與周圍行政區間之空間相依性納入考量,本研究以各個行政區之相對地理位置為依據建立空間相依矩陣,並採用空間計量模型中之SAR模型進行實證分析。
    研究結果顯示,行政區之老年人口比率及服務業就業人口比率等解釋變數對行政區之儲蓄率之影響皆為顯著且負向。在行政區層級之解釋變數中,公教人員比率、人均可支配所得及一般生育率等因素對行政區之儲蓄率具有正向影響,而老年人口比率則對行政區之儲蓄率具有負向影響。
    This study explores the impact of the ratio of public and educational personnel in the local administrative regions of my country on the savings rate of the administrative region and the spatial effect of the savings rate. In order to take into account the spatial dependence of an administrative region and its surrounding administrative intervals, this study established a spatial dependence matrix based on the relative geographic location of each administrative region, and used the SAR model in the spatial econometric model for empirical analysis.
    The research results show that explanatory variables such as the ratio of the elderly population in the administrative region and the employment-to-population ratio in the service industry have a significant and negative impact on the savings rate in the administrative region. Among the explanatory variables at the administrative region level, factors such as the ratio of public and educational personnel, per capita disposable income, and general fertility rate have a positive impact on the savings rate of the administrative region, while the ratio of the elderly population has a negative impact on the savings rate of the administrative region.
    Reference: 一、中文部分:
    于宗先、王金例(1999)。臺灣通貨膨脹。臺灣經濟論叢系列,俞國華文教基金會叢書。臺北市:聯經出版社。
    王儷玲、黃泓智、陳彥志、鄭惠恒(2019)。臺灣年金制度改革的財務影響與世代不均問題。臺大管理論叢,29(2),139-172。
    林明鏘(2018。評臺灣2017年公務員退撫制度之改革-制度改革與信賴保護之衡平。法令月刊,69(4),1-25。
    行政院主計總處,儲蓄率如何計算,政府及企業為什麼有儲蓄?,https://www.dgbas.gov.tw/ct.asp?xItem=10878&ctNode=2370&mp=1。
    周信佑(2007),建立一個屬於自己完整的生涯財務規劃。國家政策研究基金會,取自:http://www.npf.org.tw/1/3562。
    林明鏘(2018)。評臺灣2017年公務員退撫制度之改革-制度改革與信賴保護之衡平。法令月刊,69(4),1-25。
    林武郎、王文生(1999)。臺灣地區近年來儲蓄率降低原因之探討(上)。中國商銀月刊,1999年9月,頁1-21。
    林武郎、王文生(1999),臺灣地區近年來儲蓄率降低原因之探討(下)。中國商銀月刊,1999年10月,頁17-33。
    林祖嘉、陳建良(1998),貸款支出與強迫儲蓄:臺灣家計單位儲蓄行為再分析。臺灣經濟學年會論文集,頁173-210。
    洪進朝、江玉琳、曹茵茵、趙婉婷、張倚瑄(2021),年金改革對軍公教消費行為之影響。2021財務金融與管理研討會,3月13日。嘉義縣:南華大學。
    第一金控(2011),軍公教課稅上路善用保險發揮節稅效果。第一金控,取自:http://www.firstholding.com.tw/tw/news/news_20110119_416427.htm
    陸裕方(2008),國小教師理財認知、理財行為及退休理財規劃之研究—以高雄縣為例。高雄市:國立高雄第一科技大學風險管理與保險系未發表碩士論文。
    黃志隆(2017)。臺灣年金改革基礎的重構:新社會公民地位之社會平等觀點。社會政策與社會工作學刊,21,197-236。
    董振海(2000)。對臺灣目前消費和儲蓄的分析─生命週期理論的運用。現代經濟探討,2000(6),45-48。
    齊克用(2014)。個人理財一本通。臺北:財團法人臺灣金融研訓院。
    鎮明常、李建祈、王慧娟、郭天鈞(2013)。人口結構改變對資本市場的影響。證交資料,620,13-22。
    二、英文部分:
    Attanasio, O. P. (1998), “Cohort Analysis of Saving Behavior by U.S. Households.” The Journal of Human Resources, 33(3), 575-606.
    Disney, R., C. Emmerson, & M. Wakefield (2001), “Pension Reform and Saving in Britain.” Oxford Review of Economic Policy, 17(1), 70-94.
    Elhorst, J. P. (2005), “Unconditional Maximum Likelihood Estimation of Linear and Log-Linear Dynamic Models for Spatial Models.” Geographical Analysis, 37, 85–106.
    Elhorst, J. P. (2014), “Matlab Software for Spatial Panels.” International Regional Science Review, 37(3), 389–405.
    Fukawa, T. & K. Yamamoto (2003), “Japanese Employees’ Pension Insurance: Issues for Reform.” The Japanese Journal of Social Security Policy, 2(1), 6-13.
    Mackenzie, G. A., P. S. Heller, P. Gerson, & A. Cuevas (2003), “Pension Reform and the Fiscal Policy Stance.” Public Budgeting & Finance, 23(1), 115-127.
    Tachibanaki, T. (1994), “Housing and Saving in Japan,” in Y. Noguchi and J. M. Poterba eds. Housing Market in the United States and Japan, 161-90. Chicago: The University of Chicago Press.
    United Nations (2015), “Department of Economic and Social Affairs, Population Division.” World Population Ageing2015 (ST/ESA/SER.A/390)
    Description: 碩士
    國立政治大學
    行政管理碩士學程
    109921072
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0109921072
    Data Type: thesis
    Appears in Collections:[Master for Eminent Public Administrators] Theses

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