本研究旨在探討不同人格特質組合對職業風險選擇傾向之影響。研究資料取自中央研究院「華人家庭動態資料庫」（Panel Study of Family Dynamics, PSFD）之2020 年度調查，分析對象為具備完整職業與人格問項填答資料之樣本。研究方法結合潛在類別分析（Latent Class Analysis, LCA）與 Likert 總分分組，依據Big Five人格特質將受訪者劃分為三類，分別為「具備正向特質（Positive）」、「部分具備正向特質（Partial Positive）」以及「未具備正向特質（Non Positive），並分別以有序Probit 模型（Ordered Probit）分析此三類人格特質組合之產業風險選擇行為，及以廣義線性模型（Generalized Linear Model, GLM）中之Gamma分佈回歸檢驗此三類人格特質組合之職業風險承擔程度。
實證結果顯示，正向人格特質（包括高外向性、盡責性、經驗開放性、親和性及低神經質）越少之個體，顯著傾向於進入風險程度較高之產業或從事風險較高之職業，且結果在控制年齡、性別、教育程度、健康狀況與就業地區等背景變數後仍具統計顯著性。本研究補足過去僅聚焦單一人格維度與職業偏好間關聯之侷限，進一步提出將人格測評納入職涯諮詢與風險教育機制之政策建議，期能提升個體職涯選擇的適配性，並強化整體勞動市場之風險管理與安全性。

This study aims to explore the impact of various combinations of personality traits on individuals’ occupational risk preferences in Taiwan. Utilizing data from the 2020 Panel Study of Family Dynamics and adopting Big Five personality indicators, individuals were classified into three groups based on Latent Class Analysis and composite Likert scores. Ordered Probit and Generalized Linear Models with a Gamma distribution were further employed to assess individuals’ occupational risk tendencies. The results indicate that individuals with fewer positive traits, such as openness, conscientiousness, extraversion, and agreeableness, and higher levels of neuroticism are more likely to engage in high-risk occupations. These associations remain robust after controlling for demographic and socioeconomic variables. The findings highlight the explanatory power of personality trait profiles and offer valuable implications for career counseling and labor market risk management.

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