本論文主要利用台灣15~29歲青年勞工調查進行分析，針對年輕族群的儲蓄與投資行為進行探究，利用Heckman兩階段模型分別進行關於儲蓄行為的解釋，在Heckman第一階段上主要解釋何種因素造成15~29歲青年勞動者具有儲蓄與投資行為，亦即探討影響樣本於儲蓄投資占薪資比上是否為零和非零的因素，第二階段針對具有儲蓄與投資行為者，亦即儲蓄投資占薪資比為非零之樣本，何種因素會影響其儲蓄與投資占薪資比的多寡，再者，利用分量迴歸和分量係數差異分析進行在樣本細分下的不同影響程度；實證結果主要呈現在年分效果(Year effect)、年齡效果(Age effect)、性別效果(Gender effect)、教育程度(Education level)和金融知識(Financial literacy)，此處的金融知識以大學主修科系和持有金融證照者進行比擬，以上五種效果階對於台灣15~29歲青年儲蓄理財行為有著一定程度的影響；年分效果結果顯示隨著資料時間的推移 ，儲蓄與投資占薪資比呈現顯著且遞減的趨勢，年齡效果則是隨著年齡層的不同 ，實證結果顯示儲蓄與投資占薪資比隨著年齡層增加而出現遞減的趨勢，性別效果則是女性平均在儲蓄與投資占薪資比上高於男性，教育程度顯示當受教育年數越高時儲蓄與投資占薪資比也會越高，而在金融知識方面，持有金融相關證照者則會有顯著高於未持有者。

This study mainly research purpose is to indicate what effects will influence saving and investment behaviors of Taiwanese young labor who is age between 15 to 29. Using the Survey of young labor employment status under Survey Research Data Archive (SRDA) and by the proportion of saving and investment on income to analyze what effects will affect saving and investment decision of Taiwanese young labor. Us-ing Heckman two-step selection model and quantile regression run empirical research. Research result shows year effect、age effect、gender effect、education level and financial literacy, which is who holding financial certification and different major in college, are main factors to significantly interpret the young labor’s saving and investment behaviors.

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