中文摘要 本研究旨在探討各個不同投資人特質與風險屬性之間的關係，並研究不同特質下的投資人與風險趨避及謹慎小心行為間的相關性。本研究以真實的投資人為研究對象，並將結果說明如下: (1)風險趨避程度在相關分析下有發現公教人員、曾遇過金融機構倒閉損 失、期望利率、年收入、固定開銷及使用理財工具定存之投資人是顯著 相關的。 (2)風險趨避程度在迴歸分析發現固定開銷有顯著相關。 (3)謹慎小心來看迴歸分析來看有教育程度、固定開銷、保留現金及使用財 務工具股票是顯著相關。 ;英文摘要 The purpose of this study is to explore the relationship between investors′ risk preference and personal characteristics. Not only risk aversion, but also prudence is studied. The main results are as follows:
(1) According to the correlation analysis, the degree of risk aversion is significantly correlated to investors′ occupation, expected rate of return, income, loss experiences of the financial crisis, and whether the investors have time deposit.
(2)According to the regression analysis, the degree of risk aversion is significantly related to the monthly fixed expenditures.
(3)The OLS regression shows that the degree of prudence is significantly related to the investors′ education level, monthly fixed expenditures, liquidity needs, and the usage of financial instruments.