本研究採用2013年度台灣社會變遷基本調查計畫數據進行分析，旨在探討在不同災害經驗下，心理資源變化、災害風險知覺與身心狀態的關係，並探討資源獲得是否能作為災後的保護因子，從而降低災害經驗對身心狀態的影響。研究結果發現：（1）資源的流失能部分中介災害經驗（財產損失、心理創傷）下的身心狀態，結果支持Hobfoll的資源保留理論；（2）資源的獲得能降低災害經驗（財產損失）下的無法控制感；（3）對於身心狀態，地震經歷頻率與資源獲得的交互作用能調節身心狀態，即不論經歷頻率多寡，資源的獲得愈多，身心狀態便愈好。控制災害經驗與心理資源獲得的情況下，個體覺得地震發生可能性愈高，身心狀態就愈差。上述結果僅出現在地震災害樣本中，淹水災害則無上述發現。詳細討論見內文。 / The aim of the study is to examine the relationships between change in psychological resources, risk perception and psychological adjustment under different disaster experiences. Using the data from Taiwan Social Change Survey 2013 to test the hypnosis: whether psychological resources gain can directly influenced one’s psychological adjustment, or the resources gain can indirectly reduce the impact of disaster by altering the risk perception. Results showed that: 1) Resources loss can partially mediate the effect between the disaster experiences and psychological adjustment. 2) Resources gain can moderate the effect between disaster loss experiences to risk perception, victims who gain more resources, their controllability of future disaster is higher. 3) Resources gain can moderate the effect between frequency of experiencing disaster and psychological adjustment. After controlling the disaster experience and resources gain, the likelihood of Earthquake recurrence that one believes, can predict his/her psychological adjustment. The above results only found in case of the earthquake disaster, but not in flooding.