- 研究生：黃嘉柔
- 論文名稱：金融商品投資的性別差異
- 指導教授：戴翠莪
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關鍵字：性別、投資行為、金融商品
- 論文中文摘要
本研究採用臺灣社會變遷基本調查計畫2012第六期第三次：社會階層組的問卷調查為資料，此資料提供個人金融投資的項目、投資資訊管道等重要測量項目。本研究結果發現與過往大多文獻研究結果有明顯差異，研究結果顯示在控制因素是相同的情況下，女性比男性有投資更多金融商品種類數量之現象。此研究結果可以做為投資行為研究的補充。
- 論文英文摘要
Many previous studies have examined the differences in financial investment behaviors between genders. The majority of studies have shown that, compared to women, men usually purchase more financial products and allocate more money to financial investment. In addition, women are found to be more risk adverse than their male counterparts in their investment strategies. However, some other studies have revealed different observations, with women being more engaged in financial investment activity.
In order to address the mixed results found in previous studies, using data from the Taiwan Social Change Survey collected in 2012, this study investigates gender differences in financial investment and the mechanisms that account for the differences in financial investment behaviors between genders. The results show that, when other factors are not taken into account, there is no significant difference in the number of financial products between men and women.
Interestingly, when personal educational levels, earned income, and work status are held constant, women report to have more financial products than men. The results suggest that SES is the key mechanism leading to the differences in financial products between men and women.
