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Mutual Fund Investments Literacy of Mid- to Old-Age Consumers
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중고령층 금융소비자의 펀드투자에 관한 이해력

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Type
Academic journal
Author
Joo, So Hyun (이화여자대학교)
Journal
Korean Consumer Agency journal of consumer policy studies No.40 KCI Accredited Journals
Published
2011.10
Pages
47 - 69 (23page)

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Mutual Fund Investments Literacy of Mid- to Old-Age Consumers
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Abstract· Keywords

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Due to the complexities of financial markets and changing nature of financial environment, the needs for protecting financial consumers in regulatory ways are increasing. Using [2007 Investor Survey] by Korea Investor Protection Foundation, this study tries to compare mutual funds investment behaviors and mutual funds investment literacy between financial consumers who are over 50 years old and those who are younger than 50 years old to identify possible vulnerability of older consumers in the financial markets in order to provide policy implications in financial consumer protection.
In this study the mutual funds investment literacy includes three sub-constructs：subjective mutual funds knowledge, objective mutual funds knowledge, and adeptness of mutual funds investment related information processing. By analyzing mutual funds investment behaviors and literacy, it was found that the older financial consumers who are age 50 and older had lower levels of mutual funds investment literacy and more likely to rely on the advice provided by the sales persons from financial institutions. Based on these results, promoting the concept of fiduciary and possibly regulating fiduciary responsibilities of financial professionals were discussed. In addition the practicality of financial education in improving real life financial literacy should be reconsidered to design effective financial education. Also to help financial consumers make informed decision in financial transaction, information provided to consumers in general and to older consumers in specific should be customized to contribute the improvement of overall financial literacy and financial capabilities of financial consumers.
#금융소비자 #중고령층 소비자 #펀드투자 #금융이해력 #financial consumers #Mid-to Old- consumers #mutual funds investment #mutual funds investment literacy #financial literacy

Contents

요약
I. 서론
II. 선행연구 고찰
III. 연구방법
IV. 연구결과
V. 논의 및 제언
참고문헌
Arbstract
부록

References (39)

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1. [인터넷자원] - 금융감독원 / / 2009년 고등학생 금융이해력 지수(FQ) 측정결과. 보도자료 google schola 2. [인터넷자원] - 금융감독원 / / 2010년 대학생 금융이해력 지수(FQ) 측정결과. 보도자료 google schola 3. [인터넷자원] - 금융투자협회 / / 종합통계포털 google schola 4. [학술지(정기간행물)] - 김경자 / 1998 / 소비자의 금융지식과 금융정보 요구에 관한 연구 / 대한가정학회지 36 (3) : 105 ~ 116 dbpia 5. [보고서] - 김병연 / 2009 / 금융소비자보호제도의 주요이슈와 개선방안 google schola

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