• 대한가정학회지
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• 제50권8호
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• pp.21-40
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• 2012

This study is to respond to the urgent demands of both society and times on public schools in regards to training an educated person who can cope with the financial environment of this diversified modern society. Therefore, this study will explain the concept of Financial Consumer Education and its trends of several other countries. By focusing on the current state of Korean Financial Consumer Education, it will call attention to the needs of introducing Financial Consumer Education to the school curriculum in order to educate students about finance systematically. To support our viewpoint, this paper analyzed and organized the materials concerning Financial Consumer Education in two curricula (2007 and 2011 Revised National Curriculum), and in a Practical Arts (Technology Home Economics) textbook of the 2007 revised version. Hence, the purpose of this study is to explore the desired direction and revitalization of Financial Consumer Education by analyzing the existing curricula. Even though the content of finance education begun from one of the subcategories of consumer education called 'Financial Management,'the number of research about financial education through public education has been increased in response to the social and academic consensus. Therefore, we suggest the re-conceptualization of consumer education for financial education is necessary. Therefore, this paper suggests that Financial Consumer education in a Practical Arts (Technology Home Economics) should not be regarded as only one of the components of Consumer Education. Instead, by raising it to the status of Financial Customer Education, it is required to teach the learners to improve their personal financial management skill as well as to help them achieve financial knowledge, skill, and attitude as financial consumer.

• 가정과삶의질연구
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• 제32권1호
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• pp.43-61
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• 2014

The purpose of this study is to examine the consumer competency of women in their 20-40s after consumer competency is classified into consumer knowledge, consumer attitude and consumer skill. Since these components can show differences based on the areas of consumption life, the areas of consumer competency are classified into financial management areas, trading areas and consumer citizenship areas. The differences in consumer competency based on marital status and the differences in variables affecting consumer competency by marital status are identified. The types of consumers are classified and characterized based on consumer competency and marital status. This sentence can immediately follow the previous one rather than start a new paragraph. The same goes for the other sentences below. First, the female consumer competency levels of the married group were generally higher than those of the single group. Second, consumer knowledge and consumer competency in financial management areas showed significant interaction effects between the marital status and employment status of demographic variables. Third, there were differences in factors affecting significant differences in consumer knowledge, consumer attitude, consumer skill and over all consumer competencies between the unmarried and married groups.

• 가정과삶의질연구
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• 제29권4호
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• pp.109-123
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• 2011

The importance of finance in our society is truly absolute, and the of financial consumers who cope with the financial environment is becoming. Recently, many authorities in Korea to perceive the absence of serious economic or financial consumer education in order to find a fundamental solution for such a phenomenon, there is a growing need to introduce financial consumer education. This study aims to review the comprehension power of finance among consumers are college students in this society the importance of finance is becoming greater, and to a way promote financial consumer education by analyzing the demand level for The main results obtained from the include the following. First, as a result of reviewing the characteristics of respondents, their average age was 21.8 years old, and on average they each had 4.16 credit cards. Most of them had no experience of receiving financial consumer education in their teenage years, and their interest level in investment was shown to be above average. Second, as a result of reviewing their comprehension power of finance, it was shown to be 64.10 points on average their comprehension of the income area was the highest, their comprehension money management was shown to be the lowest. Third, as a result of reviewing the perception level of the provision of financial consumer education, it was shown to be very low the perception level of on-line and off-line financial consumer education provided by the YMCA was shown to be the highest. Fourth, as a result of reviewing the level financial consumer education, it was shown to be very high. For the level for institutions financial consumer education, financial institutions the highest. For the level for the method of financial consumer education, respondents chose practical experience the most and education books the least. For the intention of participating in financial consumer education, most respondents that they would participate, and most of them answered that the starting period should be the teenage years and childhood Therefore, as a result, most university student's consumers have concerned on financial education and financial inportance, it need to educate for the university student's consumers, and it need to develop technical tools and contents for ficancial education.

• 한국도서관정보학회지
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• 제35권1호
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• pp.187-213
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• 2004

은행의 생존전략에서 가장 중요한 것은 고객을 확보하는 것이다. 이를 위해서는 소비자(고객)에 대한 금융상품정보의 맞춤정보화가 이루어져야 한다. 소비자들이 금융상품에 대한 구매의사결정에 실질적인 도움을 주기 위해서는 인터넷을 통한 금융상품 정보의 적절한 제공이 무엇보다 중요하다. 특히 이 연구에서 나타난 금융상품 선택과 관련된 소비자 행태, 인터넷을 통한 금융상품정보 정보탐색실태, 금융상품정보에 대한 소비자 정보요구도, 인터넷 금융사이트 제공, 상품정보 콘텐츠 비교, 금융신상품정보 비교, 은행별 상품정보에 대한 계량적 비교 분석은 고객의 정보요구를 만족시킬 수 있는 요인들이다.

• 한국생활과학회지
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• 제18권4호
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• pp.945-958
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• 2009

This study is to examine the factors affecting success of business withhigh accomplishments in customer recognition and financial aspect in the fashion industry. In addition, through survey on consumers and interviews on industry officials who concerned fashion brand, perceived success factors were compared between consumer and industry groups. This study selected a total of 20 brands, which were 5 brands per 4 categories(e.g., women, men, sports and casual wear), with high customer satisfaction and customer loyalty in consumer's perspective and high revenues, revenue growth, and profit rate in 2004 in a financial perspective. The survey on consumer group and interviews on officials in industry were conducted simultaneously. One thousand respondents were obtained from survey on consumers and 40 respondents were obtained from interviews on industry officials. Multiple regression analysis and t-test were used for data analysis via the SPSS 12.0 program. The result of this study was as following. From a consumer perspective, respondents recognized that both consumer satisfaction and brand revenues were positively related to brand factors of consumer, product and marketing. From an industry's perspective, consumer, product and marketing factors affected consumer satisfaction as a brand success factor. In comparison of perception difference in brand success factors between consumer and industry groups, industry group was more likely to concern about the importance of brand success than consumers. In addition, the consumer group perceived the most highly consumer factor as a brand success factor, followed by product and marketing and external environment factors, while industry group did in order of consumer, marketing, product, and external environment factors, which indicated significant difference in perceptions of the two groups. Through this study on consumer satisfaction to improve positive and amicable buying behavior and comparative analysis on difference of perception of consumers and industry on factorsfor financial ability and revenue increase, the foundation for strategy establishment of brand distinction in fashion industry can be provided.

• 한국농촌생활과학회지
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• 제6권2호
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• pp.151-161
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• 1995

The objective of this study is to analyse consumption problems of the rural poor households. This is a succeeding work to the previous report on economic resource problems. Data from 154 rural poor house holds and 290 rural non-poor households were analysed to comprehend their consumption practices, financial management ability, consumer competence of homemakers, and market environments. The major findings and conclusions are as follows : 1. The rural poor households had deficit of 30, 000 won per month. They perceived relative importance of the educational expenses and food expenses and heavier pressure of educational expenses and light and water expenses than other items. 2. The rural poor households evaluated their financial management ability average like non-poor households but their level of consumer competence was lower than other households. This means their consumer efficiency is relatively low. 3. The rural poor households had similar grade of market environments to non-poor households. This is significantly different from urban households.

• 한국생활과학회지
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• 제15권6호
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• pp.999-1014
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• 2006

The purpose of this study were to develop a financial management educational program for college students and to evaluate the effect of this program. In order to achieve this aims, a fundamental work to select the educational contents was preceded with a survey of learners' needs, preceding studies. After choice of educational contents, learners' demands on how to manage the educational program was executed in advance. The participants in this study were 500 students, resulting in 460 with usable data. Second, reflection the above mentioned educational contents, a concrete financial management educational program was built. This program consists of 9 domains: financial planning, careers and income, consumer spending, credit use and Credit cards, Managing Taxes, investment planning, risk management and insurance, retirement and estate planning, contribution. The participants for this program implementation were 68 students. Third, to evaluate the effects of the financial management educational program, paired t-test was conducted in using the SPSS package. The result suggested that financial management educational program has a positive effect on financial knowledge, financial attitude and financial management behavior. Several implications based on the findings were suggested.

• International Journal of Advanced Culture Technology
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• 제8권4호
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• pp.271-278
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• 2020

Modern financial services go beyond the stage of internet banking, and new concepts of financial transactions such as Internet of Things, mobile banking, electronic payments, and fintech have emerged. As a result, banks are less influential in financial transactions, and changes are being demanded. In the present era, the basic business of banks has decreased, and it is transforming into a space where both consumer finance work and reside. The bank office stands for the brand image of the bank, and it is represented by trust with customers in the basic business of financial transactions, and the rise in real estate value is a natural social phenomenon due to the nature of the location and location of real estate owned by the bank. The business method and space of the bank office that meets the new paradigm of the modern society is an inefficient space only for the convenience and rest of consumers, but it must be used as a variety of spaces suitable for the region to increase the functional value of the bank office. Through this study, as a convenience space for consumers, various service facilities should be introduced to understand the characteristics of the region as a convenience space for consumers, and various service facilities should be introduced to meet the needs of consumers, and the bank office should be improved as a complex service space for local residents.

• 한국가정과교육학회지
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• 제33권4호
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• pp.139-157
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• 2021

본 연구는 우리나라 청소년들의 소비자역량 강화를 위해 미국 3개 주(오하이오, 미네소타, 위스콘신) 중학교 가정과 교육과정을 분석함으로써, 우리나라 중학교 가정과 교육과정에 시사점을 도출하는데 목적이 있다. 이를 위해 2015 오하이오 주, 2017 미네소타 주, 2013 위스콘신 주 중학교 가정과 교육과정의 '소비생활' 영역의 성취기준을 수집해 소비자역량 내용을 분석하였다. 소비자역량 내용 분석 준거는 우리나라 성인들의 소비자역량을 측정하기 위해 개발한 한국소비자원의 소비자역량 내용체계를 기준으로 연구자가 수정·보완하여 활용하였다. 분석 결과와 시사점을 요약하면 다음과 같다. 첫째, 미국 가정과 교육과정에서는 청소년들의 금융이해력 향상을 위해 신용관리, 저축/투자/보험, 세금, 금융환경과 금융의사결정 등 다양한 내용요소를 다루고 있었다. 차기 교육과정에서는 길어진 노후생활에서의 재무 안정을 위해 경제 환경의 변화 등 각종 변수를 고려해 생애주기별 실제적인 재무계획을 세울 수 있도록 금융기초지식과 금융 정보 활용 기술 강화를 위한 내용을 제시할 필요가 있다. 둘째, 미국 가정과 교육과정에서는 소비자거래역량 향상을 위해 가격과 이자율, 경제동향 및 수요와 공급의 영향, 구매방법과 계약 조건 등 경제개념을 적용해 구매의사결정을 할 수 있도록 교육과정을 개발하였으나, 우리나라는 구매계획, 구매의사결정과정에 집중되어 있기에 중학교 수준에 적합한 경제 개념을 도입해 소비자거래역량 함양을 도와줄 필요가 있다. 셋째, '소비자시민역량' 강화를 위해 차기 교육과정에서는 권리주장과 책임 수용을 균형 있게 다룰 필요가 있으며, 특히 소비자 주권이 실현되는 소비환경 조성을 위한 소비자 정책과 법률, 소비자 옹호 등에 관한 내용을 강화할 필요가 있다.

• 대한가정학회지
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• 제40권2호
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• pp.143-159
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• 2002

Consumer Education Policy for -Focusing on developing Social support System- The purpose of this research is to understand the change of future consuming environment and the characteristics of future potential consumer: the net generations. With those research results, we deduced our goal, content and method of consumer education for these net generations. Finally, I suggested a scheme of the social construction by demand of our future society. Literature review and depth interview are used for this research. The main factors of the change of our future consuming environment are Digitalization, globalization, improvement of consumer sovereignty, Sustainable consumption culture, the increasing pursuit of safe life. It is necessary to educate our future consumer, net generations, the information searching skills in order to be able to obtain right information. We also need to educate them how to practice the safe life and Sustainable consumption and how to get consumers sovereignty. The method of the education requires interchangeable communication. We need social networking system for the support of consumer education, in order to build this social system. We need an administrative support from the government and financial support from corporations. We have suggested that it is very desirable to share all the information developed among Academic field, Consumer related organizations and schools by this network be build.