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Consumers' Anxiety about Financial Transactions
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금융상품별 불공정한 금융거래에 대한 소비자불안 - 재무지식과 주관적 소비자역량의 영향을 중심으로

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Type
Academic journal
Author
Yunjoo Yoo (서울대학교) Jong-Youn Rha (서울대학교) Jung Sung Yeo (서울대학교) Eunkyung Ko (서울대학교) So-Yun Kim (서울대학교)
Journal
Korean Academic Society of Financial Planning Financial Planning Review Vol.12 No.4 KCI Accredited Journals
Published
2019.11
Pages
49 - 72 (24page)
DOI
10.36029/FPR.2019.11.12.4.49

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Result
Consumers' Anxiety about Financial Transactions
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Abstract· Keywords

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Nowadays, consumers face various financial transactions and financial consumer problems increase drastically. This article investigated the level of anxiety of financial consumers and how the financial knowledge and subjective consumer competency affect the level of anxiety toward financial transactions in South Korea. Financial consumers’ anxiety was defined as the anxiety about perceived financial risks due to incomplete sales or unfair trades in the financial market. This study analyzed responses from 1,126 consumers aged between 20s and 50s in South Korea. According to the results, financial consumers’ anxiety levels differed according to the type of financial products. The anxiety level of Korean financial consumers was highest toward stocks and funds, followed by loans, and insurances. The effects of subjective consumer competency and financial knowledge on consumer anxiety about financial transactions also differed according to financial product types. Toward the trading of credit products and insurance products, subjective consumer competency significantly lowered the consumer anxiety, but did not significantly affect consumer anxiety toward transactions of other types of financial products. And financial knowledge had a significant effect only on anxiety toward transactions of deposit/saving accounts. Based on the findings, this study proposed that financial policies and education programs to elevate consumer competency and financial knowledge can reduce consumer anxiety in the financial market.
#불공정한 금융거래 #불완전판매 #소비자불안 #주관적 소비자역량 #재무지식 #금융상품 유형 #unfair financial transactions #financial product types #consumer anxiety #mis-selling #subjective consumer competency #financial knowledge

Contents

Ⅰ. 서론
Ⅱ. 이론적 배경
Ⅲ. 연구방법
Ⅳ. 연구결과
Ⅴ. 결론
참고문헌
Abstract

References (40)

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금융감독원 / 2009 / 2009년 고등학생 금융이해력 지수(FQ)측정결과 / 2009년 9월 28일 보도자료 google schola 금융감독원 / 2010 / 2010년 대학생 금융이해력 지수(FQ)측정결과 / 2010년 12월 21일 보도자료 google schola 금융감독원 / 2017 / 2016년도 전국민 금융이해력 조사 결과 / 2017년 1월 23일 보도자료 google schola 금융감독원 / 2018 / 18년 상반기 민원동향 및 주요 민원내용 / 2018년 8월 20일 보도자료 google schola 김경자 / 2005 / 인터넷 보험에 대한 소비자태도와 수용성향 연구 / 한국가정관리학회지 23(6):133~144 dbpia

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