• 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.

• 대한가정학회지
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• 제26권1호
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• pp.163-177
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• 1988

The purpose of this study was to investigate the supporting-attitude type of the eldest son and his wife living seperately from his parents. This research focused on the various degree of intergenerational solidarity between the eldest son and his wife and his parents. For this study, the supporting-attitude types were classified into 4 types: these combine 2 types of residence (living together with the parents or living seperately from the parents) with 2 types of financial support (with with-out financial support0. The concept of intergenerational solidarity, comprises three elements: objective solidarity, subjective solidarity (attachment and conflict), and consensual solidarity (filial obligation). The subjects of this study were 166 couples living seperately from son's parents in Seoul city. The data were analyzed by multiple discriminant analyses, one way ANOVA's, and the paired t-test. The results of this study are as follows; 1. Although the majority of the eldest sons live now away from the parents home, they expect to eventually live together with and support their parents financially. The majority of the wives, however, do not want to live together with their husbands' parents even though expecting to support them financially. 2. According to the discriminant analyses, the supporting-attitude types of the eldest sons were discriminated by attachment and conflict, and those of their wives by conflict and obligation. 3. There were significant difference between supporting-attitude types in terms of intergenerational solidarity. In general, the couples expecting to live together with the parents reported a higher degree of attachment, a stronger sense of obligation, and a lower degree of conflict than the couples expecting to live seperately from the parents. 4. Significant differences between the husbands and the wives were found in attachment, obligation, and conflict. While the husbands showed higher attachment and obligation than their wives, the wives showed higher conflict than the husbands. No significant difference, however, was found between the couples in objective solidarity.

• 벤처창업연구
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• 제19권1호
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• pp.135-142
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• 2024

본 연구는 대학생들의 금융교육에 있어 NIE(NIE: Newspaper in Education) 학습방법의 효과성에 주목하여, 금융이해력이 재무관리행동에 미치는 영향을 실증적으로 파악하고자 하였다. 분석을 위하여 금융과목을 수강하는 대학생들을 대상으로 NIE 미실시그룹과 NIE 실시그룹으로 구분하여 독립표본 t 검정과 다중회귀분석을 실시하였다. 연구 결과, 첫째, 금융이해력의 하위요소인 금융태도는 NIE 실시그룹이 NIE 미실시그룹보다 더 높은 것으로 나타났다. 둘째, 금융지식과 금융행위는 두 그룹 간에 차이가 나타나지 않았다. 셋째, NIE 실시그룹에서 금융지식은 재무관리행동에 유의미한 정(+)의 영향을 미치는 것으로 나타났다. 본 연구 결과로 대학생들이 건전한 금융생활을 영위하는 경제주체로 육성하는데 필요한 금융교육에 NIE 학습방법이 매우 효과적임을 확인할 수 있었다.

• 가정과삶의질연구
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• 제26권5호
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• pp.377-390
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• 2008

This paper investigated materialism inclination of the parents recognized by the adolescents and analysed the relationships between 5 categorized types about parents' materialism inclination and financial characteristics of the adolescents. Statistical analysis was achieved by using Cronbach'$\alpha$, paired t-test, one-way ANOVA, two-way ANOVA, Duncan's multiple range test, chi-square analysis, and Ward' hierarchical cluster analysis with a total of 801 questionnaires. The results are summarized as follows: First, the adolescents felt that calculated points of father and mother's materialism inclination were lower than median points and mother's inclination for materialism was higher than that of father. Second, five categories were classified according to materialism inclination of parents. First classified category was the type which showed both parents had little interest in materials and the second category was the type which father had strong interest in materials. The third one was the type which mother had strong interest in materials. The last two categories were the ones which both parents had much interest in materials. Final result of this study revealed that attitudes of the adolescents for materialism and money were higher for those whose parents had strong interest in materialism than those whose parents had little materialism interest. They showed not only the behaviors of impulsive and overspending consumption but also low financial satisfaction and high financial stress.

• 한국사회복지학
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• 제46권
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• pp.7-36
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• 2001

The current benefit expenditure of National Pension Scheme is comparatively small, as it stands in the early stage in reference to the historical development. On the other hand, the current contribution rate of National Pension is set up beyond which is sufficient to cover the current benefit expenditure. Therefore, National Pension makes big surplus every year such that the size of accumulated fund increases very fast. Nevertheless, the apprehension of financial instability of National Pension prevails these days. If so, is it really well-grounded? In terms of the method of financing. public pension schemes of most of all nations in the world are based on pay-as you go or partial funding. Under these financing methods, financial soundness fundamentally depends on the power that the government is able to impose the burden which is equivalent to benefit expenditure and the attitude of the public which represents whether they will admit it or not. Under this perspective, the judgement of financial soundness of public pension can not be made arithmetically and technically only on the basis of the balance between receipts and expenditure but should be accomplished considering the very complex and diverse aspects. In these context, this paper defines what the financial soundness of public pension means specifically and presents the objective indices which help judge it, that is, implicit debt, cost rate, summarized cost rate, pension expenditure as percentage of GDP, and fund rate. Then, applying the indices, this paper analyzes the long-term financial situation of National Pension empirically and evaluates its financial soundness in exploratory perspective.

• Journal of Information Technology Applications and Management
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• 제31권3호
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• pp.119-147
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• 2024

This study aims to analyze older adults's intention to use digital financial services. To verify the purpose, the '2022 Korean Senior Technology Acceptance Panel Survey' data were used. And a shortened Senior Technology Acceptance Model(STAM) reflecting the characteristics of older adults was applied. The results of Structural Equation Model analysis are as follows. First, the lower gerontechnology anxiety, the higher control beliefs reflecting perceived ease of use, self-efficacy and facilitating conditions and the intention to use digital financial services. Second, the health factor had a positive effect on the control beliefs. Third, the higher the control beliefs, the higher the attitudinal beliefs reflecting perceived usefulness and attitude and the intention to use digital financial services. Lastly, the higher attitudinal beliefs, the higher the intention to use digital financial services. The results suggest the need for interventions that can relieve gerontechnology anxiety and strengthen positive perceptions about control beliefs and attitudinal beliefs in order to increase older adults's intention to use digital financial services.

• 대한가정학회지
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• 제30권1호
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• pp.219-235
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• 1992

This study attempted to examine a theoretical framework which synthesizes risk attitude, type of investment management and investment behavior and to provide the specific investment strategy by analysing several variables which have effect upon the investment behavior. The results of this research were as follow : 1. Risk attitude had significant differences by the variabels such as age, sex, education, income and debt/asset ratio. Also the type of investment management was influenced significantly by the variables such as age, education, occupation, income, total asset, debt/asset ratio, achievement motivation and risk attitude. The ratio of risky asset holdings was affected by the variabels such as age, education, occupation, housing ownership, income, total asset, debt/asset ratio, achievement motivation, risk attitude and type of investment management. 2. Among several variables affecting the ratio of risky asset holding risk attitude, education, type of investment management, debt/asset ratio and achievement motivation had direct effect on it. Besides age had indirect effect through risk attitude and age, achievement motivation and risk attitude had indirect effect through the type of investment management. 3. The results of this study showed that causal relation between input, throughput and output can be applied to household's investment behavior and the concept of risk or risk attitude can be applied to other fields except household's investment. Also it could be attributed to provide the investment strategy for improving level of household's financial well-being.

• 한국지역사회생활과학회지
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• 제17권3호
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• pp.67-87
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• 2006

This study examined how middle-aged jobholders anticipate their living after retirement, how they plan their post-retirement financial welfare and what attitude they have towards old age. The data came from 290 middle-aged male and female people in Incheon, Suwon and Cheongju city and were analyzed to find the differences among public planned pension types, such as the National Pension System (NPS), the Government Employee Pension Corporation (GEPC), and the Korea Teachers Pension (KTP). The major results were as follows: First, the expected income level after retirement in GEPC members was the highest and the lowest in KTP members. Second, the expected living period after retirement is the main criteria used when determining the amount of money needed for old age. Third, KTP members were of the most inferior at financial planning and practice, especially self-reflection of their expending behavior, thrift and saving practice for old age.

• 대한가정학회지
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• 제49권10호
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• pp.1-13
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• 2011

This paper examined how men and women differ in the attitude and behaviour of financial risk tolerance. The results showed that women were less risk seeking than men in financial risk tolerance. The results of the investment simulation indicated that men invested in higher risk assets like stock. In contrast, women prefered to invest in lower risk assets like real estate. The results of multiple regression analysis showed that if investors have the propensity to take more risk they allocated their money to higher risk assets in the simulation. This analysis also showed that the surveyed respondents invested in risky assets if they had experience in high risk investment in the past.

• 가족자원경영과 정책
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• 제22권1호
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• pp.79-98
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• 2018

The purpose of this study was to analyze the influence of a married adult on child-toparent and on parent-to-child financial supports. The data, derived from Korean General Social Survey(KGSS) was obtained from the Survey Research Center at Sung Kyun Kwan University. The samples included 367 married adult children who had more than one living parent. Multiple regression analysis was used to analyze the research model. The findings from the analysis showed that monthly household income had no significant impact on the financial supports that adult children provided to their parents or that the parents provided to their child. The expectation of financial supports from their parents in the future was a important factor that affected the level of female and male children's financial supports that they received from their parents. The level of instrumental supports from their parents and their parents-in-law did influence the level of financial transfers between them. These results showed that financial transfers between married adult children and their parents differed based on the children's attitude towards the supporting parents, and whether or not the children or parents had alternative resources available to them for financial supports. Moreover, the variation in financial supports and benefits showed complex differences based on the gender of the children, and based on whether the financial support was coming from the respondent's parents or their partner's parents.