臺灣博碩士論文加值系統

自2007年臺灣貧富差距又再度擴增，其中的肇因複雜，已多有論述，但鮮見針對支出行為做深入探討者，本研究乃利用2009年家庭收支調查資料探討臺灣M型社會兩端家戶支出行為之差異，期能由支出面探索貧富差距日趨擴大的原因。實證發現，低所得家庭因資金有限，在可創造長期價值的人力資本、社會資本與金融資產上的投資，顯著低於高所得家庭。其次，低所得家庭平均而言處於負儲蓄狀態，支出於菸草及檳榔、酒精性飲料等開銷上的比重卻顯著較高。最後，低所得家戶存在明顯得所得幻覺，會將設算租金視為收入的一部分，使財務收支惡化。

The gap between the rich and the poor has continued to expand, which causes is complex, and it has many expositions. But rare study focus on the individual expenditure behavior. This paper use Family Income and Expenditure Survey data in 2009 to investgate the differences of expenditure behaviors between the poor and the rich.The key findings are as follow: (i)the money use for human capital, social capital and financial assets are inadequate, because of their lack of money, (ii)the poor spend on high proportion of unnecessary expenditure, such as tobacco, betel nuts and alcoholic beverages, although they have negative saving, (iii)the poor have “income illusion” when the value of real estate increase, because they don’t have budgeting habits. In other words, the poor expenditure behaviors affect by the value of real estate.

第一章 緒論 1
第一節 研究動機與目的 1
第二節 研究架構 4
第二章 文獻探討 5
第一節 貧富差距的成因 5
第二節 人力資本與所得分配 6
第三節 社會資本與所得分配 7
第四節 小節 8
第三章 研究設計與方法 9
第一節 資料來源 9
第二節 貧富家戶操作性定義 10
第三節 研究方法 11
第四節 變數操作性定義 12
第四章 實證分析 19
第一節 樣本結構 19
第二節 台灣貧富差距概況 21
第三節 組均差檢定 27
第四節 支出型態差異：迴歸分析 33
第五章 結論 36
參考文獻 38
附錄 41

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