本文以T銀行往來客戶為主要研究對象，探討金融韌性與財務幸福感的關聯性。本論文採用便利抽樣方式進行抽樣，問卷發放則以紙本方式發放，共計發放400份問卷，回收有效樣本344份，有效樣本回收率為86%。透過描述性統計分析、獨立樣本T檢定與單因子變異數分析、相關分析及迴歸分析等方法來分析評估本研究所欲探討的主題，其主要研究結果如下：
1.就金融韌性得分而言，「經濟資源」得分最高、其次依序為「社會資本」、「金融商品與服務」，「金融知識與行為」的得分最低。
2.此次的受訪者約有1.7%的受訪者表達其「財務壓力嚴重」，17.5%的受訪者表達其「財務脆弱性高」、68.5%表達其「財務脆弱性低」，僅有12.3%的受訪者表達其「財務安全」。
3.嬰兒潮世代的受訪者在「金融韌性」及其子構面「金融知識與行為」、「金融商品與服務」、「經濟資源」與「財務幸福感」的得分均高於其他年齡層的受訪者。
4.已婚的受訪者在「金融韌性」及其子構面「金融知識與行為」、「金融商品與服務」、「經濟資源」與「財務幸福感」的得分均高於未婚受訪者。
5.高學歷(研究所以上)的受訪者在「金融韌性」及其子構面「金融知識與行為」、「經濟資源」與「財務幸福感」的得分高於其他學歷的受訪者。
6.從事金融行業的受訪者在「金融韌性」及其子構面「金融知識與行為」、「金融商品與服務」與「財務幸福感」的得分高於其他行業的受訪者。然待業中的受訪者在「經濟資源」的得分低於其他行業的受訪者。
7.金融韌性四大構面中「社會資本」對財務幸福感無顯著影響，而「金融知識與行為」、「金融商品與服務」與「經濟資源」均對財務幸福感具有顯著的正向影響，其中又以「經濟資源」對財務幸福感的影響程度最大，意即，受訪者的經濟資源的得分越高其財務幸福感越高。

The purpose of this thesis is to examine the relationships between financial resilience and financial well-being of different generations. Convenient sampling is used in this study, a total of 400 questionnaires were distributed, and 344 valid questionnaires were returned, resulting in a return rate of 86%. By illustrating the descriptive statistics analysis, Independent t test & one-way analysis of variance (ANOVA), correlation analysis, and regression analysis, the main findings are presented as the following:
1. In terms of the four dimensions of financial resilience, "economic resources" scored the highest, followed by "social capital", "financial products and services", and "financial knowledge and behavior" has the lowest score.   
2. Approximately 1.7% of the respondents expressed "financial stress", 17.5% "high financial vulnerability", 68.5% "low financial vulnerability", and only 12.3% "financial security".
3. Baby boomer respondents scored higher than other generations on "financial resilience" and its sub-dimensions of "financial knowledge and behavior", "financial products and services", "economic resources", and "financial well-being".
4. Married respondents scored higher than unmarried respondents on "financial resilience" and its sub-dimensions of "financial knowledge and behavior", "financial products and services", "economic resources", and "financial well-being".
5. Respondents with advanced degrees (graduate or above) scored higher on "financial resilience" and its sub-dimensions of "financial knowledge and behavior", "economic resources", and "financial well-being" than those with other educational backgrounds.
6. Respondents working in the financial sector scored higher on "financial resilience" and its sub-dimensions of "financial knowledge and behavior", "financial products and services", and "financial well-being" than those from other sectors. However, unemployed respondents scored lower on "economic resources" than respondents in other industries.
7. Social capital had no significant effect on financial well-being, while financial knowledge and behavior, financial products and services, and economic resources had significant positive effect on financial well-being. Wherein economic resources had the most substantial influence on financial well-being, which means that the higher the score of the economic resources of the respondents, the higher the financial well-being.

目錄
目錄	                                                 iv
表目錄	                                                  v
圖目錄	                                                 vi
第一章 緒論	                                          1
    第一節 研究背景與動機	                                  1
    第二節 研究目的	                                  3
    第三節 章節結構	                                  4
第二章 文獻探討	                                          5
    第一節 金融韌性	                                  5
    第二節 財務幸福感	                                  7
第三章 研究設計與方法	                                 11
    第一節 研究架構	                                 11
    第二節 研究變項操作性定義及衡量	                 11
    第三節 研究對象與抽樣方法	                         23
    第四節 資料統計分析方法	                         24
第四章 資料分析結果	                                 25
    第一節 回收樣本描述	                                 25
    第二節 差異性分析	                                 27
    第三節 相關性分析	                                 33
    第四節 變數關聯性	                                 35
第五章 結論與建議	                                 36
    第一節 研究發現與意涵	                                 36
    第二節 研究限制	                                 37
    第三節 研究建議	                                 38
參考文獻	                                                 40
    一、中文部分	                                         40
    二、英文部分	                                         40
附錄：問卷設計	                                         45

表目錄
表2-1財務幸福感四要素	10
表3-1金融韌性四大構面計分方式18
表3-2財務幸福感分數配置表23
表4-1回收樣本描述性分析統計	25
表4-2金融韌性四大構面與其每個題項的平均分數及標準差	26
表4-3受訪者金融韌性相關構面資料輪廓	27
表4-4受訪者金融韌性相關構面資料輪廓	27
表4-5性別在各研究構面的差異情形	27
表4-6年齡在各研究構面的差異情形	28
表4-7婚姻在各研究構面的差異情形	29
表4-8教育程度在各研究構面的差異情形	30
表4-9從事行業在各研究構面的差異情形	31
表4-10差異分析彙整表	32
表4-11相關分析表	34
表4-12迴歸分析表	35

圖目錄
圖3-1研究架構圖	11

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