가계부작성행동과 효과에 관한 연구

성영애(Young Ae Sung) 한국FP학회 2016 Financial Planning Review Vol.9 No.1

본 연구의 목적은 가계부작성행동의 효과를 분석하고 가계부작성행동에 영향을 미치는 요인을 파악하는 것이다. 본 연구의 분석자료는 엠브레인 트렌드 모니터에서 매년 실시하고 있는 가계부조사 가운데 2014년 원자료이다. 분석결과 가계부작성행동은 어느 정도의 긍정적인 효과가 있다고 결론 내릴 수 있었다. 전반적으로 가계부를 작성하고 있는 집단의 경우 가계부작성의 효과를 가장 높게 평가하고 있었고, 가정생활로 인한 정신적 피로도 점수도 상대적으로 낮았고, 긍정적 감정의 점수 또한 상대적으로 높게 나타났으며, 충동구매의 비율도 상대적으로 낮게 나타난 것이다. 즉 가계부를 작성하는 경우 심리적 효과와 충동구매억제효과가 있다고 할 수 있다. 가계부작성행동은 남성보다는 여성이 더 많이 하는 것으로 나타났고, 30대가 상대적으로 더 많이 작성을 하고 있었으며, 주부들의 경우 작성비율이 더 높은 것으로 나타나고 있었다. 반대로 남성의 경우, 50대와 20대의 경우, 무직과 대학생의 경우 가계부작성비율이 상대적으로 낮은데 이들이 가계부를 작성하지 않는 이유는 서로 다르다. 이에 따라 가계부작성을 위한 촉진전략은 가계부를 작성하지 않는 이유에 따라 차별적으로 실시하여야 한다는 시사점을 제안할 수 있었다. The present study investigated the effect of using the household ledger in order to determine the socio-demographic factors affecting its use. The data came from the 2014 Survey of Housekeeping Book conducted by Embrain, an online research company. Consumers were categorized into 4 groups based on their record keeping behavior and the reasons for not using household ledgers. The results showed that 33.6% of the respondents used household ledgers and that these consumers were more likely to highly evaluate the usefulness of record keeping. They felt less fatigue from home management and had more positive emotions in everyday life. They were also less likely to engage in compulsive buying. Record keeping behavior and the reasons for not using household ledgers varied according to socio-demographic factors. Females, those in their 30s and housewives were more likely to use household ledgers. The reasons for not using varied according to gender, age and occupation. Financial planners and educators should consider the reasons why many people do not use household ledgers.

소비자물가지수를 통해 본 소비생활의 변화

성영애(Sung Young Ae),최현자(Choe Hyun cha),김소연(Kim So Yun) 한국소비문화학회 2014 소비문화연구 Vol.17 No.4

Korean society has been changed drastically during the last couple of decades and the change would affect the way consumers consume. Analyzing changes in Consumer Price Index during 1990-2010, this study provided understanding of the changes in household consumption expenditure pattern during the same period. The items and weights that are used to calculate the index have been revised on a 5-year basis to reflect the changes in consumption pattern of urban households. Therefore, by analyzing the changes in items and weights used for the index, we can infer the current picture of consumption expenditure. An analysis on Consumer Price Index showed that household consumption expenditure on necessities such as foods, clothes, and housing decreased during the 1990-2010 whereas expenditures in other categories such as private education, personal transportation, communication, and leisure services increased. And exceptionally the items and weights for eating-out and services for housework increased distinctively from the overall reduction in food and housing categories. Those changes in Consumer Price Index explained the noticeable changes in consumption expenditure pattern in Korean society during 1990-2010 such as socialization of traditional housework, convenience- seeking tendency, fever in leisure activities and private education, and drastic changes in the way of enjoying media and communication owing to smart phone.

신주거문화를 선도하는 현대산업개발

성영애(Sung Young-Ae),심영(Shim YoungU),양세정(Yang Se-Jeong) 한국소비문화학회 2004 소비문화연구 Vol.7 No.2

The purpose of the study is to find out appropriate management practices that lead and form the consumption culture. by analyzing the accomplishments of Hyundai Development Company. The study examines the new trend of housing culture. and the business philosophy and achievements of Hyundai Development Company. The company has management philosophies such as consumer-oriented. moral. environmental. substantial. public interest. and global managements. Based on such philosophies, it differentiated the interior and the exterior of apartments and satisfied the various needs for apartments. Furthermore, it provided beneficial services to the local communities by allowing, not only the apartment residents, the local community residents to meet new housing cultures. Hyundai Development Company formed complexes to activate the residential community. invented various ground plans, kept an exhaustive quality management system, and provided services to the local communities to perform city innovation. Such factors can be considered as the main causes of Hyundai Development Company's constant growth.

유형별 부채의 보유결정에 영향을 미치는 요인 분석

성영애(Young Ae Sung),최현자(Hyun Cha Choe) 대한가정학회 2000 Human Ecology Research(HER) Vol.38 No.2

N/A

재무교육 및 재무상담에 대한 소비자요구와 선호분석

성영애 ( Young Ae Sung ) 한국소비자학회 2012 소비자학연구 Vol.23 No.2

Financial education and financial counseling are useful tools for improvement of financial capability and financial well-being. However, financial education and counseling have not only similarities but also differences in their goals, the relationships between the educators or counselors and clients, and their effects, Because of the differences, education may be more appropriate for some topics or some consumers while counseling may be better way for the other topics or consumers. The purpose of this study was to compare the needs for financial education and financial counseling in their subject areas. The results can give useful information on what subjects are needed by education and counseling. The results will also give the answer the question, which is the better way between education and counseling for each subject and consumers with different characteristics? The data of the study came from the 2008 Fund Investor Survey of Korea Investors Protection Foundation. Total number of the sample was 2,530 who lived in Seoul and 6 metropolitan areas of Korea. The sample was consisted of relatively large proportions of young, unmarried and high income consumers compared the census result. The need level was measured by 4 score Likert scale for 11 financial subject areas ; saving, fund investment, stock and bond investment, credit management, tax management, risk management, retirement planning, money preparation for business, real estate investment, income and expense management, and estate planning. For the statistical analysis, paired t-test, correlation, multiple regression analysis and multinomial logistic analysis were utilized using SPSS. The main results are as follows: The need levels for both education and counseling are high. The ranks of the topic needs for financial education and financial counseling are very similar. The education and counseling needs for retirement planning, tax management and real estate investment are the highest. But the need level for education is greater than that of counseling. For all topics, the need for education is greater than the need for counseling. This result implies that education can be more effective. The correlations between the needs for education and counseling are very high, which means that counseling need is also high if education need is high. Even though education need is generally greater than counseling need, counseling also may be more effective for some subject areas and for some clients. Credit management is an example topic for which counseling need is greater than other topics. The factors affecting the need for financial education are very similar with those affecting the need for financial counseling. Age, educational level, marital status, number of household members, home ownership, financial assets, debt and financial counseling experience are significant factors for both needs. The need is greater for the younger, educated and married persons with larger sized family, greater financial assets and debt, and financial counseling experience. The percentage of the consumer group that prefers financial education to counseling is the biggest in general whereas the percentage of the group with no preference is the highest for each topic. The factors influencing the preferences for education and counseling are different. The probability to belong to the consumer group who prefer for education is increased if the age of the consumers are over 50s, their financial assets are greater and they have no counseling experience. On the other hands, the probability to belong to the consumer group who prefer for counseling is higher for the consumer who is female, wage earner and living in a small family. This result shows that different consumer characteristics can be considered to plan the financial education and counseling.

1인 가구와 부모ㆍ자녀가구 간의 경제적 교류유형과 영향요인 연구

성영애 ( Sung¸ Young-ae ) 한국소비자학회 2021 소비자학연구 Vol.32 No.4

The purposes of this study were to examine the economic exchange type and level of exchange between single-person households and the households of their parents and children living separately, to determine whether there is a difference in the type and level of exchange according to the age of head of single-person households, and to examine the influencing factors of the economic exchange type of single-person households. In this study, the types of economic exchange were divided into four groups: two-way economic exchange type, donor type, beneficiary type, and non-exchange type. The data of the study came from the 21st KLIPS(Korea Labor and Income Panel Study) that was surveyed in 2018. Total 1,714 single-person households were analyzed for the analysis. For data analysis, cross table analysis, variance analysis, and multinomial logistic analysis were performed using SPSS. The main research results are as follows. First, among single-person households, the rate of receiving economic support from the households of parents and/or children was 52.2%, and the rate of providing economic support was 40.2%. Looking at the frequency of the four types of economic exchange, 31.7% of singleperson households belonged to ‘beneficiary type’, 28.1% belonged to ‘non-exchange group’, 20.5% belonged ’two-way economic exchange group’ and 19.7% belonged to ‘donor type’. Taken together, 71.9% of single-person households were engaged in economic exchanges either two-way or one-way. Second, there was a difference in the types of economic exchanges according to the age of single- person household’s head. For the household whose head was aged in 20s-40s, the proportion of ‘donor type’ was the highest and the share of ‘beneficiary type’ was the lowest. For those in their 50s, the proportion of ‘non-interchange type’ was the highest and the share of ‘beneficiary type’ was the lowest. After the 60s, the proportion of ‘beneficiary type’ was highest and the proportion of ‘donor type’ was the lowest. Two-way economic exchange type appeared relatively uniformly in all age groups. Third, looking at the scale of economic exchanges between single-person households and parent/children’s households, the overall benefit amount from their parent/children’s households was larger than the amount that they provided to. However, the amount provided to their parent/children’s households was higher than the benefit amount for some age groups. Fourth, age of head, gender, residential area, housing type, employment status, household income, financial assets, and total liabilities were found to be influencing variables from the multinomial logistic analysis on the exchange type. Even when other variables were controlled, age was proven to be a variable that affects the type of economic exchange.

가구주 직업에 따른 연령별 가계재무구조의 분석

성영애 ( Young Ae Sung ) 대한가정학회 2003 Human Ecology Research(HER) Vol.41 No.1

월세가구의 월세부담이 소비지출에 미치는 영향

성영애 ( Young-ae Sung ) 한국소비자학회 2015 소비자학연구 Vol.26 No.6

This study compared the consumption expenditure patterns among the households living in monthly rental house, Jeonse house - “Jeonse” is a real estate term which is unique to South Korea where a lump sum deposit is given the landlord without monthly rent and same amount of deposit should be returned to the tenant when the rental contract completes. - and owned house. This study also examined the influences of monthly rent on household consumption expenditures of the households living in monthly rent house. The effects of housing rent burden were investigated by two measures. : the amount of monthly rental fee and the ratio of rent to total consumption. The data came form the 2014 Household Income and Expenditure Survey of Koran Statistics. Major finding are as follows. First, the levels of household income, consumption expenditure and saving of those household living in monthly rental house were lower than those of households living in Jeonse and owned house. Second, expenditure levels of 9 in 12 consumption categories were less than those of households living in Jeonse and owned houses. Housing expenditure accounted for 25.3% of total consumption expenditure and rent amount accounted for 17.3%. Third, increase in the amount of rent fee tended to increase total consumption expenditure, however increase in rent burden was more likely to decrease it. Fourth, the effects of rent ratio were stronger than the effects of rent amount on the amount of expenditures of subcategories. As the rent ratio increased, the households decreased most of the expenditures of subcategories. Fifth, increases in both rent amount and rent ratio tended to decrease the expenditures of other consumption categories.

군집분석을 통해 살펴본 1인 가구의 연령대별 소비지출패턴

성영애 ( Young Ae Sung ) 한국소비자학회 2013 소비자학연구 Vol.24 No.3

The purposes of this study were to identify consumption expenditure patterns of one-person households of different age groups, find out the socio-economic characteristics of the identified clusters, and then compare the patterns of different age groups. For these purposes, one-person households were separated by three age groups : younger households(less than 35 years old), middle aged households(35-64 years old or less), and older households(over 64 years old). The consumption expenditure pattern means the way consumption categories are combined to form a way of life as a whole(Chung 1998, p.39). The consumption categories of this study employed those of the 2012 Household Income & Expenditure Survey of Statistics Korea that is the data of the study. The 12 standard consumption categories are ‘Food and non-alcoholic beverages’, ‘Alcoholic beverages and tobacco’, ‘Clothing and footwear’, ‘Housing, water, electricity and other fuels’, ‘Furnishings and household equipment’, ‘Health’, ‘Transport’, ‘Communication’, ‘Recreation and culture’, ‘Education’, ‘Restaurants and hotels’, and ‘Miscellaneous goods and services’. Cluster analysis which is a statistical method for categorizing the households into similar groups was utilized. The variables used as criteria variables are budget shares allocated to each consumption categories : i.e. the proportions of the expenditures of each consumption categories in total consumption expenditure. K-means cluster analyses were conducted using SPSS. The data of the study were the annual raw data of the 2012 Household Income & Expenditure Survey of Statistics Korea. Total sample consisted of 10,400 households of the whole country except farm and fishery households. Among them, 1,653 households were one-person households. Weighted results were presented. The main findings are as follows: Four consumption expenditure patterns are identified for each age groups. The clusters are named according to their dominant budget shares. For younger one-person households, the identified clusters are diverse activity oriented(48.6%), restaurants and hotels-dominated(25.6%), housing-dominated(21.9%) and transport-dominated(4%). Diverse activity oriented cluster consists the largest proportion of young one-person households. These households allocated their budget to diverse consumption categories and it shows their active lives compared with the households in other clusters. Of the younger one-person households, housing-dominated cluster shows the lowest economic level, that is the consumption expenditure level of this cluster is the lowest among younger one-person households. The unemployment rate is the highest and the household rate in budget deficit is also the highest. For the one-person households in the middle ages, the identified clusters are restaurants and hotels-dominated(38.2%), food-dominated(32.3%), housing-dominated(25.7%) and transportdominated( 7.1%). Except the food-dominated cluster, the clustering is similar with younger households. Even though the names are identical but the consumption expenditure structure is different. Household budget is relatively evenly allocated in various consumption categories for the one-person households in the middle ages. For the older one-person households, food-dominated(37.4%), housing-dominated(22.5%), balanced(22%) and health-dominated (18%) are identified as clusters. In general, the budget of the older one-person households are more likely tend to be intensively allocated to top three consumption categories for their all clusters than the other clusters of younger households. The levels of income and expenditure are the lowest for food-dominated cluster. But housing-dominated cluster and health-dominated cluster seem to be more problematic in terms of the consumption expenditure structures and the inability of solving the problems. The similar expenditure pattern which is identified across all ages is housing-dominated expenditure pattern. This result implies that the public policy of the first priority for one-person households may be the housing policy. The specially identified patterns for each age group are diverse activity oriented pattern for younger household, and balanced and health-dominated patterns for the older households. No special pattern is found for the middle-aged group. This implies that the one-person households change their consumption expenditure patterns as they get older. The consumption expenditure patterns of the middle-aged one-person households are in between those of younger and older households.

소비절제를 추구하는 라이프스타일과 행복에 관한 연구

성영애 ( Young-ae Sung ) 한국소비자학회 2016 소비자학연구 Vol.27 No.2

The purpose of the study was to find out anti-consumption life styles that contribute the consumers`` happiness. For the purpose, anti-consumption life styles were classified according to their motives. Consumers`` motives of reducing their consumption are voluntary or involuntary. Also, the motives are personal or social. This study assumed those motives of anti-consumption life styles would affect consumers`` happiness. In this study, consumers`` happiness included both happiness as a consumer and happiness as a human-being. For the study, an online survey was conducted using questionnaires which were developed based on the previous studies. Factor analysis and regression analysis were utilized using SPSS. Main results were as follows. First, as a result of factor analysis, eight anti-consumption life styles were classified and they explained 65.30% of total variances. Cronbach α of each anti- consumption life style was high ranged from 0.777 to 0.889. Voluntary anti-consumption life styles were (1) consumption reduction because of frugality (2) consumption reduction because of financial management (3) consumption reduction because of voluntary simplicity (4) consumption reduction because of self-production and (5) consumption reduction for environment protection. Partially voluntary anti-consumption life styles was (6) selective consumption reduction. Involuntary anti-consumption life styles were (7) consumption reduction because of economic deficiency and (8) consumption reduction because of tightwadism. Second, it was found that voluntary anti- consumption life styles positively affected consumers`` happiness as a human-being as well as a consumer. They influenced not only general consumers satisfaction and but also consumers`` autonomy and self-confidence. They increased life satisfaction and positive emotions but decreased negative emotions. Among the voluntary anti-consumption life styles, consumption reduction tendency because of financial management had the strongest positive influence on consumers`` happiness. Third, consumption reduction for environment protection was anti-consumption life style of voluntary and social motives. This tendency influenced positively consumers`` happiness. Especially it contributed consumers`` happiness by decreasing negative emotions. Forth, selective consumption reduction was partially voluntary anti-consumption life style in which consumers tried to reduce consumption but allowed a small luxury for satisfaction. The result showed that this strategy can be effective for consumers`` happiness. Especially, selective consumption reduction contributed consumers`` happiness by increasing positive emotions. Fifth, anti-consumption life styles of involuntary and personal motive, as expected, tended to affect negatively consumes`` happiness both as a consumer and as a human-being. Consumption reduction because of economic deficiency and consumption reduction because of tightwadism decreased consumers`` happiness as a human-being more than as a consumer. The strategies of reinforcing the voluntary and social motives of consumption reduction and weakening the involuntary motives are needed. The results imply that reinforcing financial management motive and environment protection motive is very effective for adjusting to new social-economic environment demanding consumption reduction.