• Title/Summary/Keyword: 소비자신용에 대한 태도

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A Study on the Effects of Brand Globalness on Brand Trust and Brand Loyalty: Focusing on the Moderating Effects of Consumers' Cultural Intelligence (브랜드 글로벌성이 브랜드 신뢰도와 브랜드 충성도에 미치는 영향에 관한 연구: 소비자 문화지능의 조절효과를 중심으로)

  • Liu, Xin;Kwon, Yung-Chul
    • Korea Trade Review
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    • v.42 no.4
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    • pp.115-138
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    • 2017
  • To prove the effectiveness of global brand strategy, this paper tries to analyze the effects of brand globalness on brand attitude and behaviors. In addition, the moderating effect of consumers' cultural intelligence is assessed in the influence of brand globalness on brand attitude and behaviors. Based on the analysis of two hundred seven consumers, it is founded that the brand globalness has a strong influence on brand credibility and benevolence which exerts brand royalty as expected. In this process, however, the moderating effect of consumers' cultural intelligence is shown to be statistically ineffective. This implies that the global brand strategy is useful regardless of individual consumers' cultural intelligence.

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Money management behaviors of college students according to credit card usage (신용카드 이용여부에 따른 대학생 소비자의 재무관리행동에 관한 연구)

  • Kim, Hyo-Chung
    • Korean Journal of Human Ecology
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    • v.14 no.1
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    • pp.95-105
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    • 2005
  • This study examined the factors affecting college students' money management behaviors according to credit card usage. The data were collected from 481 college students in Busan and Gyeongnam areas by a self-administered questionnaire. Frequencies, Cronbach's Alpha, factor analyses, t-test, Pearson's correlation analysis, and regression analyses were conducted by SPSS WINDOWS. The results from this study were as follows. First, there were significant differences between credit card usage group and non-usage group in the means for future preparation, stingy attitude, and planned expenditure. However, there was no significant difference in the mean of money management behaviors. Second, for the credit card usage group, the significant variables affecting money management behaviors included sex, grade, experience of consumer education, father's occupation, monthly household income, future preparation, stingy attitude, methods of emotional change, planned expenditure, and negative recognition. On the other hand, for the non-usage group, grade, experience of consumer education, father's occupation, way of success, future preparation, stingy attitude, planned expenditure, and conditional permission were significant. These results imply that financial management education including values about money and consumption patterns should be conducted.

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Development and Effect of Consumer Education Program for the Middle School Creative Extra Curricular Activities (중학교 창의적 재량활동 시간을 활용한 소비자교육 프로그램 개발 및 효과)

  • Kim, Jeong-Hee;Kim, Hyang-Ran
    • Journal of Korean Home Economics Education Association
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    • v.18 no.4 s.42
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    • pp.103-126
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    • 2006
  • This study was to develope and applicate the consumer education program with appropriate level for middle school students so that they could take systematic consumer education by using creative-discretionary activity. The procedure of this study was researching and analyzing the degree of learner's need and choosing the contents of education involved with the characteristics of adolescent consumers. This education program was performed at creative-discretionary activity class with the 3th grade of middle school. To evaluate the effect of education program, we compared with the difference of student's knowledge and attitude before and after this program was performed. Although there was no significant difference, student's knowledge and attitude was improved much better. And there marked a high satisfaction rate of 3.87 about the overall method of consumer education.

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The Effects of Attitudes toward the Use of Money and Credit Cards on the Financial Management Practices of College Students (대학생 소비자의 화폐사용 태도와 신용카드에 대한 태도가 재정관리 행동에 미치는 영향)

  • Seo, In-Joo;Doo, Kyung-Ja
    • Journal of Family Resource Management and Policy Review
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    • v.11 no.3
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    • pp.23-43
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    • 2007
  • The purpose of this study was to examine how college students' attitudes toward the use of money and credit cards have affected their financial management practices. The data were collected from 231 college students in Seoul using by a self administered questionnaire. Frequencies, factor analyses, t-tests, ANOVA, and multiple regression were conducted using by SPSSWIN 12.0. The results from this study were as follows. First, results of the factor analysis of attitudes toward the use of money were divided into 5 dimensions such as instrument of ostentation, sufficiency of desire, source of anxiety, diligence and economy, and instrument of preparation for the future. Attitudes toward the uses of credit cards were divided into 3 dimensions, such as positive affection, cognition of reverse function, and attitudes of use-behavior. Financial management practices were divided into 2 dimensions: planning and performing. Second, social-demographical & economical factors, among such as gender, allowance, financial stress, number of credit -cards possessed, and expenses of credit -cards totals each month were significant in the regression analyses for the financial management practices. The results indicate that attitudes toward the use of money have a bigger effect on financial management practices than attitudes towards credit cards. Specifically, attitudes toward the use of money as an instrument of preparation for the future had the most effect on the financial management practices. These results imply that for sound financial management practices to take place, there needs to be education on attitudes toward the use of money.

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The Effects of Flow and Typicality on Consumer Stickiness and Loyalty in the Internet Shopping Mall (인터넷 쇼핑몰에서의 플로우와 전형성이 밀착도와 충성도에 미치는 영향)

  • 김종호;신용섭
    • Asia Marketing Journal
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    • v.6 no.1
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    • pp.17-42
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    • 2004
  • 본 연구에서는 인터넷 쇼핑몰의 생존과 발전을 위한 단계로 방문빈도, 방문 지속성의 전략이라고 할 수 있는 쇼핑몰 밀착도를 결정하는 요인들과 플로우에 영향을 주는 요인, 전형성에 영향을 주는 요인, 인터넷 쇼핑몰 유형에 따른 인터넷 쇼핑몰 속성 태도와 인터넷 쇼핑몰 전형성의 관계, 소비자 행동 측면의 플로우 경험과 전형성의 영향정도 등을 조사한다. 이를 기반으로 인터넷 유형을 분류하여 인터넷 쇼핑몰의 특성 및 콘테츠 특성에 대한 전형성 정도를 세분화할 수 있다. 또한 밀착도와 충성도의 관계를 파악함으로 인해 쇼핑몰의 방문빈도 및 방문지속성의 유지가 기업의 장기적인 발전에 어느 정도 기여를 할 수 있는지에 대해서 파악할 수 있다. 본 연구결과 인터넷 쇼핑몰 특성은 전형성에 정(+)의 영향을 미치며, 콘텐츠 특성은 플로우에 정(+)의 영향을 미쳤다. 이를 통해 현재 오프라인을 기반으로 한 쇼핑몰인 경우 이 전에 오프라인에서 유지해 오던 상품제시, 보장, 명성 등이 온라인까지 확장되었다는 의미이며, 이러한 현상은 현재 오프라인 소매점에서 온라인 소매점으로 확장할 경우 이들 특성들이 전이(transfer)된다는 사실을 쇼핑몰 관리자들은 인지해야 한다. 또한 콘텐츠 특성은 오프라인 쇼핑몰보다는 순수 온라인 쇼핑몰이 플로우에 영향을 더 많이 미치는 것으로 나타났다. 그러므로 순수 온라인만을 주목적으로 창업하려는 쇼핑몰 관리자들은 콘텐츠 특성인 인터페이스 기능 강화, 톡특한 디자인 및 Lay-Out 등에 투자를 해야 한다. 위의 결과를 통해 플로우 및 전형성이 밀착도인 방문빈도 및 방문지속성에 영향을 미치며 이러한 밀착도는 소비자 충성도에 제고에 영향을 미칠 것이다.

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A Study of the Effect of Model Characteristics on Purchasing intentions and Brand Attitudes (광고모델 특성이 구매의도와 브랜드태도에 미치는 영향)

  • Kim, Sung-Duck;Youn, Myoung-Kil;Kim, Ki-Soo
    • Journal of Distribution Science
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    • v.10 no.4
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    • pp.47-53
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    • 2012
  • Businesses make use of advertising strategy using models to give consumers efficient product information. Modern advertisements often make use of models for greater reminiscence to create messages and remind viewers of the product. The purpose of this study was to examine the characteristics of each type of model. The subjects were 230 college students in their twenties or older, and the material was collected from October 20, 2011 to November 5, 2011 to examine the effects of model characteristics on buying intention as well as attitude toward a brand. A questionnaire survey was used; investigators gave one copy to each interviewee. The study investigated the characteristics of each model using a questionnaire of each 40 copies with five kinds of photographs. The characteristics of models had great influence on buying intention and attitude toward the brand: First, factor 2 (being honest and virtuous and having good credit and a good press assessment) and factor 3 (being interesting and a good communicator and creating good memories) had great influence on buying intention. Factor 2 was explained by reliability, and factor 3 by the efficiency of the model in creating a feeling. Second, factors 1 (being attractive, smart, unique, friendly, loved by others, and popular), 2, and 3 influenced attitude toward brand. Factor 1 encapsulated the outgoing characteristics of a model, factor 2 was based on reliability, and factor 3 was based on the efficiency of the model in creating a feeling. The model's positive effects on buying intention and attitudes toward brand shall be examined. For their positive influence on buying intention, reliability and efficiency shall be given attention. For their positive influence on attitude toward brand, creating a good impression, having outgoing characteristics, being reliable, and efficiency shall be given attention. The findings were as follows: Model characteristics influencing buying intention were similar to those influencing attitude toward brand. The differences were as follows. First, reliability and efficiency influenced buying intention. When customers were asked to consider the influence on buying intention of an advertisement, regardless of the strength of the buying intention, they considered these two characteristics. Customers decided to buy based not only on the credibility of the product as presented in the advertisement but also the transmission of the contents of the advertisement. Second, outgoing characteristics, reliability, and efficiency influenced attitude toward a brand. The attitude toward a brand was said to be the attitude toward the business. The attitude is produced even after buying, so businesses view it as very important. The attitude might vary depending upon the model used rather than the brand. Therefore, a model with outgoing characteristics was thought to be important. Therefore, attitude toward a brand whose model influenced buying intention as well as attitude toward brand had outgoing characteristics. The result is that an image the model was related to attitude toward the brand. As such, customers would buy the goods advertised. However, an outgoing image of a model was also important to create a positive attitude toward a business brand. For instance, talent Park Gyeong-Rim's photo was used to promote cosmetics about 10 years ago. When she worked as a model of cosmetics products, she had to make compensation for losses and damages because she made a mistake on a talk show program. At that time, customers who had bought the cosmetics product asked for refunds of several billion won. As such, models who are said to be the face of the businesses they represent can play an important role. To advertise in the most attractive and effective way, the current image of a model should be investigated by examining current activities and news articles after selecting the model, and the model's efficiency and attitude toward the brand should be examined. Factors that stimulate customers' buying decisions can be used to plan advertisement that have positive influence on a brand. This study had the limitation of investigating mainly college students and there were insufficient copies of the questionnaire. The investigation was not done widely but in detail so that a concrete investigation could not be done. Further studies shall supplement these shortcomings and discuss new directions.

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A Study on the Analysis of Difference between IT and Non-IT Companies on the Consumer Dispute Resolution System's Continuous Use Intention -Focusing on Korean Small and Medium Enterprises (소비자 분쟁처리시스템 지속사용의도에 대하여 IT기업과 비IT기업 간의 차이분석에 관한 연구 -한국 중소기업을 중심으로)

  • Jung, Soo-Yong;Shin, Yong-tae;Han, Jeong-Hoon;Lee, Sung-Hoon
    • Journal of Digital Convergence
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    • v.15 no.12
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    • pp.203-212
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    • 2017
  • This research analyzed the factors that have the influences on the intentions to use the consumer dispute settlement system for the small- and medium-sized corporations. The consumer dispute settlement system is a general Internet information portal service which enables the small- and medium-sized corporations and the small businesses receive the support for the accurate damage handling method and the legal service through the Internet in their disputes with the black consumers or the consumers. With the small- and medium-sized corporation users who use the consumer dispute settlement system as the subjects, the research took a lot at what influences the consumer dispute settlement system has on the quality of the information, the quality of the system, the ease-of-use regarding which the environmental factors are perceived, and the ease that was perceived and, finally, what influences it has on the intention of the use. The accuracy, the convenience, and the costs of the consumer dispute settlement system had the positive influences on the ease-of-use that was perceived and the accuracy and the convenience, also had the positive influences on the usefulness that was perceived. Also, it was verified that the ease-of-use of the consumer dispute settlement system that was perceived and the usefulness of use of the consumer dispute settlement system that was perceived finally had the positive influence relationships with the intention of the use. It is highly expected that if, based on the results of this research, the quality of the consumer dispute settlement system is maintained and supplemented to fit the priority order, there will be the maintenance of, and the development toward, a system that is even more improved than the previously existent system.