摘要

對於軍校生而言，離考慮退役及退休仍有約15至20年的時間，因此有必要提前建立理財觀念及進行個人財務規劃，以因應經濟環境的快速變化，降低經濟風險的可能性。本研究的主要目的在於探討空軍官校學生的背景、理財行為及退休理財規劃三個變項與理財認知之間的關係。透過以空軍官校學生為研究對象，以網路問卷的方式發放問卷，總共回收了420份有效問卷。最終，我們根據構面間的關係，運用敘述性統計、信度分析、單因子變異分析等工具進行分析。同時，根據性別、年齡、年級、交友狀況及家庭平均月收入等相關資訊進行了分析。藉由本研究的結果，我們提出具體的建議，建議學生們參加理財教育講座，獲得正確的理財資訊，以實現財務自由並進行適當的理財規劃。

關鍵字：空軍官校學生、理財認知、理財行為、退休理財、理財規劃。

ABSTRACT

For military students, there are still about 15 to 20 years before they consider retirement and retirement. Therefore, it is necessary to establish financial management concepts and carry out personal financial planning in advance to cope with the rapid changes in the economic environment and reduce the possibility of economic risks. The main purpose of this study is to explore the relationship between the background, financial behavior and retirement financial planning of Air Force cadets and financial cognition. By taking the students of the Air Force official school as the research object and distributing questionnaires in the form of online questionnaires, a total of 420 valid questionnaires were recovered. Finally, according to the relationship between the facets, we use descriptive statistics, reliability analysis, single factor analysis of variance and other tools for analysis. At the same time, analysis was carried out based on relevant information such as gender, age, grade, friendship status, and average monthly household income. With the results of this study, we put forward specific suggestions, recommending that students attend financial education lectures to obtain correct financial information in order to achieve financial freedom and conduct appropriate financial planning.

KEYWORDS: Students in the Air Force Academy; Financial Awareness; Financial Behavior; Retirement Financial Management; Financial Planning.