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| 題名: | Z世代的投資行為與策略分析
Analysis on Generation Z’s Investment Behaviors and Strategies |
| 作者: | 謝佳芸
Hsieh, Jia-Yun |
| 貢獻者: | 蔡政憲
Jason Tsai
謝佳芸
Hsieh, Jia-Yun |
| 關鍵詞: | Z世代
投資者
訪談
Gen Z
investors
interview |
| 日期: | 2025 |
| 上傳時間: | 2025-07-01 14:59:46 (UTC+8) |
| 摘要: | 在這個經濟動盪、數位顛覆和地緣政治不確定性盛行的時代，Z世代正逐漸成為一個獨特且具影響力的投資者群體。本論文透過對13位來自不同職業、收入和教育背景的參與者進行質性訪談，探討了台灣Z世代的投資行為。研究結果表明，Z世代的財務決策不僅受到宏觀經濟因素，例如通貨膨脹、住房負擔能力和貿易政策風險的影響，還受到其數位成長經驗、行為偏好和財務自主意願的影響。性別、產業背景和收入水準進一步影響投資組合的組成、調整頻率和資訊信任。本研究透過提供及時且基於具體情境的洞察，深入了解台灣Z世代投資者的動機和策略，為行為金融學和代際投資領域的文獻做出了貢獻。
In an era defined by economic volatility, digital disruption, and geopolitical uncertainty, Generation Z is emerging as a distinct and influential class of investors. This thesis explores the investment behaviors of Taiwanese Gen Z individuals through qualitative interviews with 13 participants from diverse occupational, income, and educational backgrounds. Findings reveal that Gen Z’s financial decisions are shaped not only by macroeconomic forces—such as inflation, housing unaffordability, and trade policy risks—but also by their digital upbringing, behavioral preferences, and desire for financial autonomy. Gender, industry background, and income level further influence portfolio composition, adjustment frequency, and information trust. This study contributes to the literature on behavioral finance and generational investing by providing timely, context-specific insights into the motivations and strategies of Gen Z investors in Taiwan. |
| 參考文獻: | F. Douglas Foster and Geoffrey J. Warren. (2016). Interviews with Institutional Investors: The How and Why of Active Investing. University of Technology Sydney; Australian National University.
Brading, R. (2020). Generation Z in Taiwan: Low Salaries, 'Little Happiness', and a Social-Media World in the Mix. In Youth Economy, Crisis, and Reinvention in Twenty-First-Century China (pp. 89–106). Palgrave Macmillan.
Weinbrenner, H. L. (2023). Impact Investment Intentions of Generation Z: Exploring the Factors That Drive Young Private Investors to Decide for Environmental, Social, and Governance (ESG) Funds. Master’s Thesis, University of Barcelona.
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Mei-Hua Chen, Bryan H. Chen and Christina Geng-qing Chi. (2019). Socially responsible investment by generation Z: across-cultural study of Taiwanese and American investors. Department of Finance, National Changhua University of Education, Changhua City, Taiwan; School of Hospitality Business Management; Carson College of Business, Washington State University, Pullman, USA.
Edsgård, Gustav (2024). Understanding the Financial Decision-Making of Generation Z.
Karstad Business School. Sweden.
Annabella Claudia Kurniadi, Christian Herdinata. (2024). Factors Affecting Investment Decisions On Millennials And Gen Z. Doctor of Management and Entrepreneurship,School of Business and Management, Ciputra University, Surabaya, Indonesia.
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Devanshi Dave, Abhishek Parikh. (2022). Preferences of Gen Z for Investing in Socially Accountable Funds. Ganpat University, India.
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Empower.com. 2023. Survey: Gen Z's views and approach to investments https://www.empower.com/the-currency/money/what-are-gen-zers-attitudes-toward-money Accessed Mar. 10, 2025.
Peter Lauria. 2024. Generation Z: Stepping into Financial Independence. https://www.investopedia.com/generation-z-stepping-into-financial-independence-5224362. Accessed Mar. 18, 2025.
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https://am.jpmorgan.com/ch/en/asset-management/adv/insights/market-insights/market-updates/on-the-minds-of-investors/how-to-invest-trade-tensions/
Bloomberg. 2025. Taiwan Retail Investors Buy Record Amounts of US Assets.
https://www.bloomberg.com/news/articles/2025-01-24/taiwan-retail-investors-buy-record-amounts-of-us-assets-in-2024. Accessed Mar. 30, 2025.
Securities Investment Trust & Consulting Association (SITCA). 2025. Fund Information and Statistics. https://www.sitca.org.tw/ENG/FundInf/FI1001.aspx?PGMID=FI01. Accessed Mar. 30, 2025.
James Chen. 2024. What Are Treasury Inflation-Protected Securities (TIPS)? https://www.investopedia.com/terms/t/tips.asp. Accessed Mar. 30, 2025. |
| 描述: | 碩士
國立政治大學
國際經營管理英語碩士學位學程(IMBA)
112933026 |
| 資料來源: | http://thesis.lib.nccu.edu.tw/record/#G0112933026 |
| 資料類型: | thesis |
| 顯示於類別: | [國際經營管理英語碩士學程IMBA] 學位論文
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