• 한국경영과학회:학술대회논문집
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• 한국경영과학회 2001년도 추계학술대회 논문집
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• pp.184-187
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• 2001

The purpose of this study is to find the perceived risk which influences consumers' purchase attitudes so that consumers' participation in electronic commerce could be enhanced. Consumer behavior involves risk in the sense that any action of a consumer will produce consequences which one cannot anticipate, and some of which are at least likely to be unpleasant. The types of perceived risks are financial risk, performance risk, social risk, psychological risk, time loss, opportunity loss, privacy risk, fashion loss, delivery risk, seller's response risk and seller's fraud risk The findings are as follows: $\circled1$ The financial risk, performance risk, time loss, delivery risk, seller's response risk and seller's fraud risk have negative effects on the consumers' purchase attitudes. $\circled2$ There is no difference in the level of perceived risk according to the demographic factors such as age, education and income level.

• 가족자원경영과 정책
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• 제20권2호
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• pp.119-140
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• 2016

This study objectively analyzes the understanding of changes in North Koreans' home lives and the differences between the home life cultures of South and North Korea. A comparative analysis was conducted of terms related to consumer and family resource management to determine language differences and create a mutual understanding of social convergence unification. First, the analysis revealed that the North Korean language is not developed in certain areas, such as consumer welfare or consumer patterns related to resolving issues or complaints connected to consumptive lifestyles. In financial management, there were terms that referred to the collapsed North Korean economic conditions after the fall of the Soviet Union in 1991 and the North Korean famine. Second, terms reflecting North Korea's social, political, and economic structures were discovered, and it was found that South and North Korean languages differed from each other with regard to terms about kinship, sports, and art.

• 가정과삶의질연구
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• 제19권1호
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• pp.111-129
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• 2001

This study was performed to develope a money management education program for elementary school students graded from 3 to 6 in order to enhance their money management skill. Based on the developmental stages of the children, this program covered five financial issues such as value of money, financial planning, allowance planning, saving and investment, and consuming and purchasing. Total 15 specific education programs were developed. The contents included in each program were value of money & economic circulation, types of money and the importance of money management, the issues related on choice and resource use, long-term and short-term planning, the relationship between occupation and earnings, career planning, budgeting, the reasons and types of saving, understanding of interest, investment methods, the functions of market and trade, intra family income distribution, consumptions, and consumer decision making process.

• 가족자원경영과 정책
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• 제13권4호
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• pp.73-93
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• 2009

The purpose of this study was to examine retirees' attitudes towards change of living standards. The data were drawn from the 2007 Korean Retiree Survey, as carried out by the Korean Investors Education Foundation. The major findings are as follows: 1) Some retirees were not well-prepared for retirement, i.e., they lacked financial consultation, had low personal financial literacy, and lacked sufficient wealth. Retirees suffered from health difficulties, loneliness or a sense of alienation, family conflict, or lack of pastimes. 2) Certain groups recognized the change of living standards for retirees as either positive or negative. Retirees who recognized the change of living standards as negative were not well-prepared for retirement, had low personal financial literacy, and lacked sufficient wealth. They also suffered from health difficulties, loneliness or a sense of alienation, family conflict, or lack of pastimes. 3) There was a strong probability for the negative recognition group not to be well-prepared for retirement, having low personal financial literacy, and lacking in sufficient wealth. There was a strong probability for the negative recognition group to suffer from health difficulties or lack of pastimes. Based on these findings, this research suggests that retirees should prepare for retirement with a positive attitude.

• 가정과삶의질연구
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• 제9권1호통권17호
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• pp.179-186
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• 1991

본 연구는 미국 Utah주의 Logan시에 있는 유타주립대하(USU)Credit Union의 멤버들을 대상으로, 신용사용과 신용에 대한 태도가 그들의 경제적 만족도와 어느정도 관련이 있는지를 조사하였다. 연구는 1989년 3월에서 5월까지 걸쳐 USU Credit Union의 지원으로 이루어졌으며, 자료는 21세에서 65세까지의 멤버들 중 500명을 임의 추출하여 설문지 조사를 실시하여(설문지는 본 연구를 위한 문항과 Credit Union 멤버 Survey문항이 함께 이루어졌다) 그중 274명(54.8%)으 답변이 자료분석에 사용되었다. 대부분의 사람들은 집이나 차, 또는 교육비, 의료비에 신용을 사용하는데 긍정적 태도를 보였으며, 반수 이상의 사람들이 신용을 사용함으로써 수수료 또는 이자를 지불하고 있었다. 월평균 신용 납부액은 $643이였으며, 반수 이상의 응답자가 그들의 신용차입액에 대해 걱정하고 있는 반면, 4.4%의 응답자만이 신용을 사용하지 않고 있다고 대답했다. t-테스트, 변량분석, 그리고 상관관계 분석에 의해 경제적 만족도와 의미있는 관계를 가지고 있는 요인들이 단계별 다중 희귀분석에 이용되었는데, 그 결과 사람들의 신용부담액에 대한 근심도가 그 어느것보다도 경제적 만족도와 강하게 연관되어 있는 것으로 나타났다. 이는 과거의 조사들이 가정의 빚, 즉 신용부담액과 수입에 대한 비율로써 가정의 경제적 만족정도(financial well-being)를 측정해온 것에 반한 사실로서, 경제적 만족도는 개인의 주관적 측정인 신용부담액에 대한 근심도와 큰 관련이 있음을 보여주었다.

• 가족자원경영과 정책
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• 제10권2호
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• pp.19-42
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• 2006

The purpose of this study is to analyze the changes in contents of home management part in the home economics textbooks fur middle school from the 1st to the 7th curriculum period. The contents in the all of home economics textbooks published in every curriculum period are analyzed. The major findings of this study are as follows: 1. The part of home management is divided into seven specific areas including 'definition and process of home management', 'utilization of family resource and environment management', 'time management', 'household labor/work nanagement', 'family financial management', 'purchasing', and 'consumer protection'. 2. From the 6th curriculum period, the area of 'definition and process of home management' begun to be explained using system's approach and the area of 'household labor/work management' changed its' focus from household to self management. 3. The areas emphasized in the beginning of curriculum period were 'family financial management' and 'household labor/work management'. The 'consumer protection' ' and 'utilization of family resource and environment management' were the areas emphasized in the later curriculum period. 4. The contents of 'family financial management' area have changed very little, however, the contents of 'purchasing' area have changed a lot during the all curriculum periods. 5. The contents of illustrations, tables, pictures, and activities have changed according to changes of the contents of the textbooks.

• 가족자원경영과 정책
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• 제17권1호
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• pp.199-219
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• 2013

The purpose of the study was to investigate the effects of money transfer between generations on preparation behaviors for retirement, separated into assets and saving for retirement. The survey was conducted by targeting 422 married people across the nation. The factor of money transfer between generations was defined as the inheritance and gift variable. The data were analyzed using SPSS 20. Correlation, analysis of variance (ANOVA), and multiple regressions were utilized. The results indicated that preparation behaviors for retirement are affected by the economic independence of parents, inheritance, expenses for children's education, and marriage. Retirement assets were significantly affected by inheritance, the economic independence of parents, educational expenses for children, financial assets, and amount of debt, while the significant factors related to retirement savings were interests on retirement, income, wedding expenses for children, economic independence of parents, and educational expenses for children. It was concluded that the financial preparation for retirement ought to be expanded from one household's finances to finances between generations.

• 한국병원경영학회지
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• 제22권3호
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• pp.118-132
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• 2017

This study developed key elements of dental service guidelines for the disabled patients. In order to provide consumer-oriented service guidelines for the dental patients with disability, service design method was applied. Using service design method guided by the double diamond design process, this study implemented consumer survey, observation, and contextual interviews for consumers' needs assessment. And customer journey map, mind maps, and blueprints were utilized to visualize consumer needs and guidelines for dental care services for the disabled. According to the study, disabled consumers have needs for expertise of the medical staff, dental care institutions specialized on the disabled, financial support, establishment of the facilities for the disabled, comfortable atmosphere in the institutions, and communication with medical staffs. Based on the needs of the disabled, 5 key elements of the dental care services were developed: convenience, expertise, empathy, financial support, and education and management. And service design guidelines were proposed to implement key elements of dental care services for the patients with disability. This study is significant in that it is the first attempt to apply the service design technique from the consumer perspectives in the field of dental care for the disabled. Furthermore the process of this study has become a reference that can be utilized and applied to other medical institution.

• 벤처창업연구
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• 제14권2호
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• pp.181-190
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• 2019

본 연구는 주택선택 속성과 정부정책이 주택 구매행동에 미치는 영향력을 통해서 주택시장에 대한 이해를 돕고자 한다. 이를 위한 분석의 주요 쟁점은 다양한 유형의 주택선택 속성과 정부정책간에 부동산 투자전망의 조절효과를 고려하는 것이다. 연구결과는 다음과 같다. 첫째, 주택선택 속성 중 편의성, 교육입지, 이웃수준은 주택구매의도에 유의미한 영향을 미치는 것으로 나타났다. 둘째, 정부정책은 주택구매의도에 유의미한 영향력이 없었다. 셋째, 부동산 투자전망의 조절효과는 선택속성 중 이웃수준과 상호작용 변수가 주택구매의도에 정적인 영향을 미치는 것으로 나타났다. 본 연구결과 정부의 금융정책은 주택구매 의사결정에 영향을 미치지 않음으로서, 현실적으로 과도한 규제는 처음 주택 구매자에게 주거복지의 질을 떨어뜨릴 수 있다. 또한 소비자 선호도의 동기에 대한 이해를 통해서 주택시장에서의 실제 수요 변화를 적절히 기술하고 설명 할 수 있다.

• 한국조사연구학회지:조사연구
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• 제10권1호
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• pp.1-32
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• 2009

이 연구에서는 외환위기가 발생한 후 년 동안 한국사회에서 어떠한 변화가 있었는지를 소득 및 소비생활의 변화와 소비의식을 중심으로 살펴보고, 이와 함께 외환위기를 전후하여 경제적인 난관과 동시에 발생한 개인해체 및 사회해체를 포함하여 제반 사회문제들을 함께 살펴봄으로써 외환위기에 따른 충격의 정도와 범위가 개인 및 집단에 미친 영향을 고찰한다. 외환위기 이후 10년 동안의 중산층 귀속감을 통하여 중산층 잔류 및 이탈을 살펴보았을 때, 과거에 중산층이었던 사람들의 약 60%가 중산층에 잔류하였고 나머지 40%는 중산층에서 이탈하여 지위의 하락을 경험하였다. 외환위기 이후 3명 중 1명 이상이 소득과 자산이 감소된 것으로 보고되었다 자산 및 소득의 감소는 개인들의 일상생활과 소비생활에도 영향을 미쳤는데, 자산이나 소득이 감소한 사람들에게서 실업, 부도와 신용불량, 건강악화, 우울증과 자살충동, 그리고 가족해체 등을 경험한 비중이 매우 높은 것으로 나타났다. 이것은 계층이동에 따라서도 유사한 양상을 보여, 중산층에서 이탈한 사람일수록 이러한 개인해체 및 가족해체와 같은 일상의 부정적인 변화를 많이 경험한 것으로 나타났다. 외환위기의 충격으로 소비심리가 위축되고 생활비규모의 축소 및 건전소비가 확산되었으나, 소비행위는 양극화되는 반면 다른 한편으로는 명품선호 경향과 지위소비의식은 지속적으로 증가하고 있는 것을 볼 수 있다. 계층별 소비생활에서도 핵심적 중산층은 교육비부담을 하층은 생계비 부담을, 가장 많이 지목하고 있는 가운데, 소득이나 자산이 감소한 집단과 중산층에서 이탈한 집단일수록 사교육비의 부담을 많이 느끼며 강한 교육가치를 보이고 있는 것으로 나타나 자녀교육에 대한 투자는 지속성이 있음을 확인할 수 있다. 이와 같이 외환위기의 굴절양상이 계층별로 차별화되어 나타나고 있으며 특히 자산과 소득의 증가 및 감소여부와 계층이동의 양상이 일상의 변화 및 소비생활의 양극화를 초래하는 주요한 원인이 되고 있다.