個人社經狀況、社經期望與金錢使用態度對理財行為路徑關係之研究

The path analysis of individual socioeconomic statuses, socioeconomic expectations, money attitudes and financial behaviors of the Taiwanese

本文利用社會變遷資料庫所提供資料，以SEM統計方法估計，對國人「個人社經狀況」、「社經期待」、「金錢使用態度」、「理財行為」等進行因果路徑的探討。研究發現模式的適配度指標，內在品質的組合信度與平均抽取量，均達標準值以上，模式具有高的接受度。「個人社經狀況」對「理財行為」的估計參數為正，具有直接效果，「社經期待」對「理財行為」無直接影響，是透過「金錢使用態度」來影響「理財行為」，表示受試者之「個人社經狀況」與「金錢使用態度」能直接影響其「理財行為」，與既有文獻的結果一致。而「個人社經狀況」與「社經期待」，對個人的「金錢使用態度」產生顯著效益。另外，「個人社經狀況」仍可直接影響「理財行為」，「金錢使用態度」不是這兩個變數的完全中介變數。

This study used data collected from the Taiwan Social Change Survey and the SEM to explore the causal relationships among individual socioeconomic status(ISS) , socioeconomic expectations, money attitudes, and financial behaviors. The results suggested that the values of the goodness-of-fix index, the composite reliability of intrinsic quality, and the average sample size were above the standard, and that the model was highly acceptable in terms of its performance. The parameter estimate of ISS on financial behaviors was positive and had a direct effect. Expectations toward socioeconomic status had no direct effect on financial behavior; however, the former influenced the latter via money attitudes. These findings indicated that ISS and money attitudes had influences on financial behaviors, which was consistent with the current literature. ISS and socioeconomic expectations showed significant effects on personal money attitudes. Lastly, money attitudes were found not to fully mediate the relationship between ISS and financial behavior.