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    題名: 台灣民眾使用振興五倍券之消費歷程探討
    Analysis of consumer behavior profiting from Quintuple Stimulus Vouchers: Empirical research on mental accounting process among Taiwanese
    作者: 黃靖茹
    Huang, Ching-Jung
    貢獻者: 陳立民
    Chen, Li-Ming
    黃靖茹
    Huang, Ching-Jung
    關鍵詞: 振興五倍券
    心理帳戶
    衝動性購物
    價格敏感度
    非替代性效應
    Quintuple Stimulus Vouchers
    Mental accounting
    Impulsive shopping
    Price sensitivity
    Non-substitution effect
    日期: 2024
    上傳時間: 2024-12-02 11:30:25 (UTC+8)
    摘要: 台灣為因應新冠疫情於2020年2月25日公布《嚴重特殊傳染性肺炎防治及紓困振興特別條例》並於同年10月發放三倍券用以振興產業及促進消費。2021年5月疫情升溫，行政院隨即再提出由政府全額支付5,000元的振興五倍券。
    本研究以振興五倍券和現金做為消費行為差異比較，並利用網路問卷調查探討消費者在使用五倍券或現金時是哪些因素對個體的消費態度、衝動性購物與價格敏感度行為分數扮演關鍵性影響，同時了解本次振興五倍券的整體政策滿意度，以利於政策檢討及未來研究。
    本研究共回收 1,101份網路問卷，並使用探索性資料分析和變異數分析進行資料分析。研究結果發現，五倍券總計替代率為77.50%，最高為學校補習班學費的100%，其次為家庭必需品的95.14%和食品飲料的90.34%，提升率最高為服飾配件的64.08%，其次為61.69%的電子3C，總計提升率為49.92%。
    台灣民眾在使用五倍券購物時其衝動性購物與非替代性效應比使用現金時高，而價格敏感度會比使用現金時低。以衝動性購物層面，年收入為拒答者和年收入30萬以下者其使用五倍券較年收入100萬(含)以上者衝動，工作受新冠疫情影響者其使用現金較工作未被新冠疫情影響者衝動。以價格敏感度層面來說，不管是五倍券或現金，收入多寡均為影響價格敏感度的因素之一。以非替代性效應來說，任一背景下的消費者在使用五倍券消費時其心理帳戶內的金錢狀態沒有改變；而工作受疫情影響者其現金非替代性效應比未受疫情影響者高。在整體政策滿意度中，參加加碼活動者的滿意度大於沒參加加碼活動者。
    依研究結果建議未來再有相關政策可將張數減少單張面額提高、減少發放次數或提高單次發放金額、政府振興券官網整合民間加碼活動及改為全電子綁定；產業面來說服飾業可看準商機從中受益、超市通路保守促銷活動及電子3C業者優惠活動多樣化。
    With the threat of the COVID-19 pandemic looming over the entire world, on February 25th, 2020, the Taiwanese government announced the "Special Act for Prevention, Relief and Revitalization Measures for Severe Pneumonia with Novel Pathogens". Seeking to revitalize industries and stimulate consumption, the Triple Stimulus Vouchers were later issued in October of the same year. Responding to the significant rise in the number of positive Covid cases, the Taiwanese government proposed the Quintuple Stimulus Vouchers in May of 2021, allowing citizens and permanent residents to consume up to NTD5,000.
    The following research compares the differences between the use of Quintuple Stimulus Vouchers or cash by conducting an online survey to explore which factors influence consumer behavior, impulsive shopping and price sensitivity. Additionally, evaluating the citizens satisfaction of the Quintuple Stimulus Vouchers public service policy and performance and determine how to improve public service quality in the future.
    A total of 1,101 valid questionnaires were collected and the responses analyzed. The validity of the samples was evaluated mainly by exploratory data analysis (EDA) and analysis of variance (ANOVA). This research discovered that the total replacement ratio of Quintuple Stimulus Vouchers was 77.50%. Broken down, the highest expenditure was education, equaling 100% of school and cram school tuition, followed by 95.14% for bare necessities of life and 90.34% for food and beverages. The total growth rate of 49.92%, with metrics of 64.08% for clothing and accessories, followed by 61.69% for 3C products (computer, communication, and consumer electronics).
    These results highlight that when Taiwanese residents use the Quintuple Stimulus Vouchers to shop, their impulsive shopping score and non-substitution effect score are higher than that of using cash. In contrast, the price sensitivity score is much lower if these same products were purchased with cash. In terms of impulsive shopping, consumers refusing to answer or with an annual income of less than NTD$300,000 are found to be more impulsive than consumers with an annual income more than NTD$1,000,000 when using the Quintuple Stimulus Vouchers. Also, professionals with jobs affected by Covid are more impulsive shoppers compared to others with jobs that are not impacted when using cash. Price sensitivity is not impacted by the choice of using the Quintuple Stimulus Vouchers or cash, but rather annual income is the most affecting factor. In respect to the non-substitution effect, consumers of any background have no change of mental accounting when using the Quintuple Stimulus Vouchers; while those whose jobs are affected by Covid have a higher non-substitution effect than those who have not when using cash. Considering public service satisfaction, consumers who use the Quintuple Stimulus Vouchers with any type of promotions are more satisfied than those who did not.
    Based on the results, in respect to policy, it can be suggested to reduce the number of vouchers while increasing the denomination of each voucher, reduce the number of dispensations while increasing the amount of money, integrate promotional information on the government’s official website, and encourage application for digital vouchers. In respect to industry, the clothing industry can identify business opportunities from the voucher policy, and supermarkets should have less promotion while 3C stores diversify their promotions.
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    描述: 碩士
    國立政治大學
    企業管理研究所(MBA學位學程)
    110363040
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0110363040
    資料類型: thesis
    顯示於類別:[企業管理研究所（MBA學位學程）] 學位論文

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