가정과삶의질연구 (Journal of Families and Better Life)

  • 제25권3호
  • /
  • Pages.89-106
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  • 2007
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  • 2765-1932(pISSN)
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  • 2765-2432(eISSN)
가정과삶의질학회 (Korean Home Management Association)
권호 표지

대학생의 재정에 대한 지식과 가치관에 관한 연구: 지식과 가치관에 따른 유형분류 및 재정적 특성분석

A Study on Financial Knowledge and Values of College Students: Classification and Analysis according to the Knowledge and the Values

  • 홍은실 (전남대학교 생활환경복지학과)
  • Hong, Eun-Sil (Dept. of Family Environment and Welfare, Chonnam National Univ.)
  • 발행 : 2007.06.29
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초록

This paper diagnoses the financial knowledge of the college students and their values on financial situation. Another emphasis is given to the classification of surveyed college students based on their financial knowledge and values and the financial traits of each classified group is also analyzed. Statistical analysis was conducted using Cronbach's ${\partial}$, factor analysis, t-test, one-way ANOVA, and Duncan's multiple range test with total number of 733 questionnaires. Primary results of the research are as follows: First, overall score of financial knowledge was 62.65 points, showing the highest points in spending while lowest in savings and investment. Senior classes, students majoring in liberal arts, students with financial education and media experiences scored high points. Second, overall score of college students on financial values was 3.92, resulting in high points on credit and frugality but points on sharing with others were low. Thirdly, all surveyed students were classified into 4 types based on the mean scores on financial knowledges and values. Total 31.7% of students belonged to Type 1 where students scored high points on financial knowledge and values. Type 2 had about 22.4 % of students whose financial score was high but value score was low. Type 3 occupied 24.2% and this group scored low points on financial knowledge but high points on financial values. Type 4 occupied 21.8% and was a group of students whose scores for financial knowledge and values were low. Finally, Type 1 and 3 groups showed better desirable behaviors for financial management and expressed higher satisfaction status for finance than Type 2 and 4. Type 1 is a group of students whose subjective financial level was high. Monthly income was highest in Type 2 and financial stress was lowest in Type 1.

키워드

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