벤처혁신연구 (Journal of Venture Innovation)

한국벤처혁신학회 (Korean Academy of Venture Innovation)
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MZ세대의 창업실패두려움 : 재정적, 심리적, 행동적 요인의 영향

The MZ Generation's Fear of Startup Failure : Effects of Financial, Psychological, and Behavioral Factors

  • 김현배 (인천대학교) ;
  • 이수진 (성결대학교 경영학과)
  • Kim, Hyun-bae (Incheon National University) ;
  • Lee, Su-jin (Sungkyul University)
  • 투고 : 2024.08.27
  • 심사 : 2024.09.25
  • 발행 : 2024.09.30
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초록

창업이나 창업의도에 관한 연구들이 활발하게 진행되고 있다. 본 연구는 창업의도에 영향을 미치는 다양한 요인 중에서 창업실패두려움에 초점을 두고 진행했다. 특히 MZ세대를 대상으로 창업실패두려움에 영향을 미칠 요인으로 재정적, 심리적, 행동적 요인을 설정하였다. MZ세대 200명을 대상으로 자료를 수집하여 구조방정식으로 실증 분석하였으며 결과는 다음과 같다. 재정적요인(가용자금부족), 심리적요인(위험회피, 스트레스회피)은 실패두려움에 유의한 정(+)의 영향을 미치는 것으로 나타났다. 반면 행동적요인(힘든일회피)과 실패두려움간의 유의성은 검정되지 않았다. MZ세대의 창업실패두려움에 영향을 미치는 영향력의 크기는 스트레스회피, 위험회피, 가용자금부족 순으로 나타났다. 창업실패두려움은 MZ세대의 창업의도에 유의한 부(-)의 영향을 미치는 것으로 나타났다. 또한 창업실패두려움은 심리적요인(위험회피, 스트레스회피) 및 행동적요인(힘든일회피)과 창업의도간 매개역할을 하는 것으로 나타났다. 하지만 재정적요인인 가용자금부족과 창업의도간 매개효과는 검정되지 않았다. 이러한 연구결과는 창업의도 관련 연구에서 보다 세밀하게 분석을 했다는 점에서 학술적인 의의가 있다. 또한 MZ세대의 창업의도를 증진시키기 위해 실패에 대한 두려움을 제거할 수 있는 요인에 대한 실무적인 시사점을 제시했다는 점에서 본 연구의 의의가 있다.

This study investigated the factors influencing the fear of failure in starting a business among the MZ generation(Millennials and Generation Z). The research focused on financial, psychological, and behavioral factors affecting this fear of failure and employed empirical analysis using structural equation model on data collected from 200 members of the MZ generation. Key findings included: Financial factor(lack of accessible finance) significantly increased the fear of startup failure. Psychological factors(aversion to risk and aversion to stress) also significantly contributed to the fear of failure. The influence of behavioral factor(aversion to hard work) on fear of failure was not statistically significant. Among these, aversion to stress had the strongest impact, followed by aversion to risk and lack of accessible finance. Fear of startup failure was found to have a significant negative effect on the intention to start a business among the MZ generation. Furthermore, fear of startup failure mediated the relationship between psychological factors(aversion to risk and aversion to stress) and behavioral factor(aversion to hard work) and entrepreneurial intention. However, the mediating effect between financial factor(lack of accessible finance) and entrepreneurial intention was not tested. These findings contributed academically by offering a more detailed analysis of factors affecting entrepreneurial intentions compared to previous studies. Practically, the results suggested ways to mitigate the fear of failure to enhance the entrepreneurial intentions of the MZ generation.

키워드

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