本文選題：人格特征 + 金融素養(yǎng)　； 參考：《東南大學(xué)》2017年碩士論文

【摘要】：養(yǎng)老規(guī)劃(Retirement Planning)貫穿于人們的職業(yè)生涯和退休后的余生,最終目標(biāo)是實(shí)現(xiàn)老有所養(yǎng)的生活狀態(tài)。養(yǎng)老規(guī)劃行為的選擇,除了受到傳統(tǒng)變量的影響之外,在很大程度上由兩方面因素決定。一方面來(lái)源于人格特征(Personality Traits),另一方面來(lái)源于金融素養(yǎng)(FinancialLiteracy)。人格特征是指相對(duì)持久的思維、感受和行為的模式,反映了在特定情境下作出特定反應(yīng)的傾向;而金融素養(yǎng)是指人們對(duì)金融市場(chǎng)、金融知識(shí)的了解程度,它是人們長(zhǎng)期以來(lái)接受金融教育而形成的客觀知識(shí)和能力。個(gè)體身上存在的主觀心理特征和客觀金融素養(yǎng)共同決定著人們是否會(huì)選擇主動(dòng)養(yǎng)老行為。本文基于已有的研究成果和相關(guān)的經(jīng)濟(jì)理論,對(duì)人格特征、金融素養(yǎng)、養(yǎng)老規(guī)劃行為三者之間的聯(lián)系與內(nèi)在影響機(jī)制提出假說(shuō),采用清華大學(xué)中國(guó)金融研究中心的中國(guó)城鎮(zhèn)家庭消費(fèi)金融調(diào)研數(shù)據(jù),參考大五人格分類標(biāo)準(zhǔn)構(gòu)造了人格特征變量,研究了"大五"人格對(duì)養(yǎng)老規(guī)劃行為的影響;在此基礎(chǔ)上引入了金融素養(yǎng)指標(biāo),通過(guò)構(gòu)建中介效應(yīng)模型研究了金融素養(yǎng)對(duì)養(yǎng)老規(guī)劃行為產(chǎn)生的中介效應(yīng),從而驗(yàn)證提出的假說(shuō)。研究發(fā)現(xiàn),"大五"人格中,只有嚴(yán)謹(jǐn)性維度下的事業(yè)心(即"嚴(yán)謹(jǐn)性-事業(yè)心")和宜人性維度下的信任感(即"宜人性-信任感")對(duì)養(yǎng)老規(guī)劃行為和金融素養(yǎng)(包括主觀金融素養(yǎng)和客觀金融素養(yǎng))有顯著影響;金融素養(yǎng)對(duì)人們的養(yǎng)老規(guī)劃行為存在顯著性的影響;人格特征具有穩(wěn)定性,它會(huì)通過(guò)金融素養(yǎng)的中介效應(yīng)對(duì)養(yǎng)老規(guī)劃行為產(chǎn)生影響。其中,"嚴(yán)謹(jǐn)性-事業(yè)心"人格會(huì)通過(guò)金融素養(yǎng)(包括主觀金融素養(yǎng)和客觀金融素養(yǎng))的完全中介效應(yīng)對(duì)養(yǎng)老規(guī)劃行為產(chǎn)生影響;"宜人性-信任感"會(huì)通過(guò)金融素養(yǎng)(包括主觀金融素養(yǎng)和客觀金融素養(yǎng))的部分中介效應(yīng)對(duì)養(yǎng)老規(guī)劃行為產(chǎn)生影響。因此,關(guān)注人格特征,加強(qiáng)金融教育對(duì)社會(huì)及個(gè)人的養(yǎng)老保障都有重要的意義。
[Abstract]:Retirement planning runs through people's career and the rest of their lives after retirement, and the ultimate goal is to realize the state of life of the elderly with a sense of security. Besides the influence of traditional variables, the choice of pension planning behavior is largely determined by two factors. On the one hand, it comes from personality traits, on the other hand, it comes from financial literacy. Personality traits refer to the relatively lasting patterns of thinking, feeling and behavior, which reflect the tendency to react in specific situations, while financial literacy refers to people's understanding of financial markets and financial knowledge. It is the objective knowledge and ability that people have received financial education for a long time. The subjective psychological characteristics of individuals and objective financial literacy together determine whether people will choose active pension behavior. Based on the existing research results and relevant economic theories, this paper puts forward a hypothesis about the relationship and internal influence mechanism among personality characteristics, financial literacy and pension planning behavior. Based on the survey data of Chinese urban household consumption finance from China Financial Research Center of Tsinghua University, and referring to the classification standard of Big five Personality, this paper constructs personality characteristic variables, and studies the influence of Big five personality on pension planning behavior. On this basis, the financial literacy index is introduced, and the intermediary effect of financial literacy on pension planning behavior is studied through the establishment of intermediary effect model, which verifies the hypothesis put forward. The study found that in the Big five personality, There is only a sense of commitment (i.e. "rigour-career") in the dimension of rigour and a sense of trust in the dimension of humanity (that is, "suitably humanity-trust") in relation to pension planning behavior and financial literacy (including subjective financial literacy and objective gold). Financial literacy) has a significant impact; Financial literacy has a significant impact on people's pension planning behavior; personality characteristics have stability it will affect pension planning behavior through the intermediary effect of financial literacy. Among them, the personality of "preciseness and ambition" will influence the pension planning behavior through the complete intermediary effect of financial literacy (including subjective financial literacy and objective financial literacy); Part of intermediation effect of raising (including subjective financial literacy and objective financial literacy) has an impact on pension planning behavior. Therefore, paying attention to personality characteristics and strengthening financial education are of great significance to social and individual old-age security.
【學(xué)位授予單位】：東南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：B848;F832

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