金融知識、儲蓄行為與退休規劃：台灣的實證結果

Financial Literacy, Savings Behavior, and Retirement Planning in Taiwan

本文透過金融監督管理委員會的國民金融知識問卷調查資料，採用Order logit探討金融知識、儲蓄行為與退休規劃之關聯性。實證結果發現，除了金融知識愈高的台灣民眾愈容易會想要進行退休計劃外，也發現台灣民眾具有較強的儲蓄習慣的民眾也愈可能去規劃退休生活。特別值得注意的是，具備儲蓄習慣對於積極進行退休計劃的影響力，更勝於金融知識的程度。

In this paper, we examine the relationship among financial literacy, savings behavior, and retirement planning in Taiwan. We not only find people who are more financially knowledgeable are more likely to plan for retirement but also find those who have stronger savings habits are more likely to plan for retirement. In most specifications we find a stronger role for savings habits than financial illiteracy in explaining retirement planning.