近年來智能投資與各式的金融科技越來越普及，在全球新創產業上最值得關注的就是智能服務以及系統自動化投資服務。智能投資理財不僅融合金融科技與系統大數據來分析市場的投資狀況，還同時納入資產配置與多種風險衡量，對銀行和投資人來說，降低許多人為上判斷與操作的風險。智能理財除了能夠幫助金融機構發展更多的數位客戶族群外，也能協助實現普惠金融的精神，讓每個人都能使用簡易且資訊之透明的投資平台。在過去文獻中對於智能理財有多面項的探討，但多著重在於智能系統的發展或投資介面接受度的分析，因此，本研究採用問卷調查法進行研究，以投資人投資行為模式和投資頻率等各項偏好為基礎來探討使用智能理財之意願與影響。本研究透過網路問卷收集樣本數據，並透過Probit迴歸來分析不同的影響因子，實證結果表示投資人的行為中，有無網購經驗、可接受的商品投資年限、自動化投資意識、 自動化保險意識、 資訊安全意識、理財意識皆與使用智能理財的意願有高度相關。

In recent years, automated investment and various types of financial technologies have become increasingly popular. The most worthy of attention in the global start-up industries are robot services and system automation investment services. The financial management robot integrates financial technology and systematic big data to analyze the investment status of the market. Furthermore, the robot not only incorporates asset allocation and risk measurement, it also reduces the risk of human errors. In addition to helping financial institutions develop more digital customers, smart financial management can also help realize the essence of inclusive finance, promote a simple and transparent investment platform, and expand the value of wealth management for everyone. In past literature, there discussion of robot financial management and intelligent financial management, but most of them focused on the development of robot systems or the analysis of the acceptance of investment interfaces. This research adopts the questionnaire survey method to conduct experiment. Based on various preferences such as physical online consumption or investment frequency the willingness and impact of using intelligent financial management were explored, sample data was collected and analyzed through online questionnaires；and Probit regression. The empirical results show that investors’ online shopping experience, acceptable commodity investment years, automated investment awareness, automated insurance awareness, information security awareness, and financial awareness are all highly correlated with the willingness to use intelligent financial management.

中文部分
第一章 緒論…………………………………………………….....1
　第一節 研究背景
　第二節 研究目的
　第三節 研究流程
第二章　文獻回顧…………………………………………………..4
　第一節　國內外智能理財發展
　第二節　從專人理財到智能理財
　第三節　投資人對智能投資接受度
　第四節　智能理財的現況與限制
第三章　研究方法………………………………………………….17
　第一節　樣本資料來源
　第二節　問卷內容設計
　第三節　敘述性統計
　第四節　分析模型介紹
　第五節　研究變異數定義
　第四章　實證結果………………………………………………….25
　第五章 結論與建議………..…………………………..………….28
　參考文獻…………………………………..……………….………..29

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