보험소비자의 의사결정유형과 의사결정과정의 특성

장연주(Youn Ju Jang) 한국FP학회 2017 Financial Planning Review Vol.10 No.3

본 연구는 보험소비자의 의사결정유형을 도출하고, 보험상품 유형에 따라 소비자의 의사결정유형과 의사결정과정의 특성에 어떠한 차이가 있는지를 살펴보는 것을 목적으로 한다. 이를 위해 심층면접을 통해 수집된 질적 자료를 근거이론을 적용하여 분석하였으며, 설문조사를 통해 수집된 양적 자료를 분석에 함께 활용하였다. 본 연구의 주요 결과는 다음과 같다. 첫째, 보험소비자의 의사결정유형은 합리형, 직관형, 의존형, 충동형, 회피형으로 분류되었으며, 유형별로 의사결정과정의 특성에 차이를 보였다. 둘째, 소비자가 인지하는 보험상품 유형별 속성의 차이에 따라 의사결정행동에 차이가 있었다. 셋째, 상품유형에 따른 속성의 차이와 소비자의 성향이 복합적으로 보험소비자의 의사결정유형에 영향을 주는 것으로 나타났다. 넷째, 보험상품 유형별로 보험상품의 특수성에 대한 소비자의 인식, 보험 구매의사결정의 어려움, 의사결정 결과의 측면에서 유의한 차이가 있었다. 본 연구는 정책적 및 실무적 측면에서 보험소비자의 의사결정유형 및 보험상품 유형에 따른 차별적 접근방안을 마련하는 데 실효성 있는 시사점을 제공했다는 측면에서 의의가 있다. The objectives of this research are: 1. to elucidate the decision making style of insurance consumers; 2. to investigate the difference between decision making style and the characteristics of decision making processes according to insurance product types. To fulfill the above objectives, we applied qualitative data collected through in-depth interviews to the analysis of grounded theory, and used quantitative data collected through questionnaires for analysis. The following is the research outcome. First, the decision making style of insurance consumers was categorized into five different styles: Rational, intuitive, dependent, impulsive, and avoiding, and depending on to which style they belong, the consumers showed different characteristics in decisionmaking process. Second, there was a difference in the decision-making behavior according to the difference of the property by the insurance product type that the consumer perceived. Third, the difference of attributes and consumer tendency according to product type have a great effect on the decision making style of insurance consumers. Fourth, there were significant differences in the consumers" perception about the specificity of the insurance product, the difficulty of the insurance purchase decision-making, and the decision-maling result by insurance product type. This study is meaningful in that it provided effective implications for the differentiation approach of insurance consumers" decision-making style and insurance product type in policy and practical aspects.

금융소비자의 재무위험감수성향 영향요인 연구

장연주(Youn Ju Jang),최현자(Hyun Cha Choe) 한국FP학회 2012 Financial Planning Review Vol.5 No.2

본 연구는 재무위험감수성향(Financial Risk Tolerance)에 영향을 미치는 요인을 다차원적으로 살펴보고, 각 영향요인의 영향력은 어떠한지를 검증하는 것을 목적으로 하였다. 이러한 목적을 수행하기 위해 2007 펀드투자자조사의 원자료를 활용하였으며, Grable(2008)이 제시한 이론적 모델을 토대로 실증적 연구모형을 설정하였다. 본 연구에서는 재무위험감수성향의 영향요인을 인구학적 요인, 사회경제적 요인, 경험 및 인식관련 요인으로 나누어 살펴보았으며, 재무위험감수성향 수준에 따라 고위험추구 집단, 위험추구 집단, 위험중립 집단, 위험회피 집단의 4집단으로 구분하고 위험중립 집단을 준거집단으로 하여 다항로짓 분석을 실시하였다. 본 연구의 분석결과 재무위험감수성향은 연령, 성별 등의 인구학적 요인과 교육수준, 직업, 금융자산 등의 사회경제적 요인뿐만 아니라 투자경험, 객관적 및 주관적 금융이해력, 향후 경기에 대한 전망 등 경험 및 인식관련 요인에 의해서도 영향을 받는 것으로 나타났다. 이러한 결과는 재무위험감수성향에 대해 판단할 때에는 다차원적인 접근이 필요 하며, 재무위험감수성향이 상황에 따라 변할 수 있다는 것을 시사한다. 따라서 금융소비자의 재무위험감수성향을 바람직한 수준으로 조절하기 위해서는 경험이나 지식 등 경험 및 인식관련 요인을 통해 변화를 유도하는 현실적인 방안을 마련해야 할 것이다. 또한, 위험회피 집단의 특성을 분석한 결과, 이들은 여성이나 중노년층이고, 교육수준과 객관적인 금융이해력 수준이 낮으며 투자경험이 없는 소비자였다. 이것은 사회경제적으로 취약한 소비자의 경우 위험회피 집단에 포함될 가능성이 크다는 사실을 시사하는 결과이다. This study tried to investigate the factors that affect financial risk tolerance, including not only demographic or financial factors but also factors related to experience or cognition. Using the 2007 Survey of Funds Investors, the empirical model modified conceptual model based on the conceptual model by Grable (2008) was testified. The major findings of this study are as follows. First, this study showed that financial risk tolerance is affected by not only demographic factors such as gender, age and socioeconomic factors such as education, occupation, and financial assets, but also factors related to experience or cognition such as investment experience, subjective and objective financial literacy, and economic prospects. This result suggested that financial risk tolerance is a construct affected by multidimensional aspects and cannot be measured directly with measurement consisting of a certain aspect. Therefore, when estimating financial risk tolerance, a multidimensional approach is needed. Second, financial risk tolerance is affected by factors related to experience or cognition such as investment experience, subjective and objective financial literacy, and economic prospects that can be adjusted depending on the circumstances. This result indicates that financial risk tolerance is changeable and provides political and working level implications. Thus we should seek realistic solutions with factors related to experience or cognition such as knowledge, and experience to change levels of financial risk tolerance toward a favorable direction. Third, according to this study the group of risk averse is female, middle or old aged. Also, they have no investment experience and their level of education and objective financial literacy is low. This outcome suggests that the possibility of the vulnerable included in the group of risk averse is strong. Thus, political support that enhances the capacity of risk management for the vulnerable is needed.

금융소비자의 온라인 정보탐색 어려움 유형에 따른 온라인 정보탐색행동

최아영 ( A-young Choi ),장연주 ( Youn Ju Jang ),한상만 ( Sang Man Han ) 한국소비자학회 2016 소비자학연구 Vol.27 No.2

Although consumers enjoy the benefits of extended information power in the online information environment, the online information seeking process sometimes poses difficulties in the case of certain product groups where information seeking and decision-making using it are not easy. Starting with the particularity of financial products, the present study sought to grasp the identity and characteristics of the difficulties experienced by consumers while seeking financial information online. In addition, it classified consumers into types by the difficulties that they experienced while seeking financial information and endeavored to understand whether they exhibited differences in actual information seeking behavior according to the type. To achieve this, the present study collected and analyzed surveys of and weblog data on 188 consumers who had purchased financial products and sought information online within the past three months. According to the results of the analysis, financial consumers experienced the greatest difficulty in making selections due to excessive information and also faced difficulty in the acquisition stage such as not knowing which information was to be sought where. By using the difficulties that they had experienced, financial consumers were classified into three groups: information acquisition disability type (45.2%), information forefending disability type (13.3%), and information use disability type (41.5%). These types exhibited differences in objective financial information; in general, the higher the capacity for information use was, the higher the level of objective knowledge was. When actual online behavior collected through weblog data was compared, differences in the amount of information searched and qualitative differences in the search keywords were confirmed. First, the amount of information searched was analyzed through four indices: the amount of searches, frequency of searches, depth of searches, and diversity of the information sources used. The information forefending disability type, who had experienced information overload, yielded the highest figures; the information use disability type exhibited an information seeking pattern that was quite efficient while the amount of information searched was small. Attempts were made to discover qualitative differences from the number of repetitively used search keywords and the ratio of segmented search words. According to the results, the information forefending disability type likewise confirmed an indiscriminate use of keywords, and the information acquisition disability type had attempted excessively segmented searches, thus failing to achieve broad information acquisition. In addition, it was possible to surmise most financial consumers’ fixation on previously used financial brands from their information seeking on finance companies’ websites. Through the results of the present study, it was possible to grasp comprehensively the difficulties experienced by financial consumers while seeking financial information online and their patterns and, based on such an understanding, to find implications for ways of providing information appropriate for financial consumers.

상악 구치부 회전양상의 평가

이성근,정득룡,장연주,전윤식,정상혁 대한치과교정학회 발행 2005 대한치과교정학회지 Vol.35 No.6

측모두부방사선사진의 중첩만으로는 교합평면상의 치아이동을 알 수 없으며, occlusogram 역시 촬영 및 중첩의 오류를 피할 수 없다. 본 연구는 석고모형의 3차원 영상을 촬영한 후 3차원 영상 소프트웨어를 이용하여 중첩된 영상을 통해 상악 소구치 발치공간 폐쇄 후 상악 구치부 회전양상을 알아보고자 하였다. 성인여성 19명을 연구대상으로 하여 치료 전 석고모형 및 치료 완료후 석고모형의 3차원 영상을 촬영한 후, 상악 경구개면을 기준으로 두 영상을 중첩한 다음, 치료 전후의 상악 구치부의 회전양상을 비교 분석하였다. 연구결과, 구치부의 회전 양상은 매우 다양하였다. 그 주요 원인은 치료 전 상악 구치의 다양한 회전 상태와 치열궁 및 치아의 형태학적인 특성 때문인 것으로 추측되었다. 따라서 발치공간 폐쇄 시 일어나는 구치의 회전 양상을 3차원 영상을 이용하여 정확히 평가하기 위해서는 치료 전후에 일어나는 구치의 회전을 초기 배열 전후의 구치 회전, 발치공간 폐쇄 전후의 구치 회전, 그리고 마무리 단계 전후의 구치 회전으로 세분하여 평가해야 함을 알 수 있었다. Cephalometric superimposition is unable to evaluate tooth movement along the occlusal plane and the errors of photographing and superimposition of the occlusogram is also inevitable. The purpose of the present study was to evaluate the rotational movements of the maxillary posterior teeth following space closure after extraction of maxillary first premolars, using 3D dental images. In 19 adult females, analysis of rotational movements of the maxillary posterior teeth was performed between the initial and final 3D dental images superimposed on the maxillary hard palate. The results showed a diversity of rotational movements of posterior teeth. The causes of various rotational movements may be different rotation of molars in each case at the beginning of treatment. individual characters of the dental arch and tooth morphology. The results of the study indicate that accurate evaluation of retational movements of posterior teeth following space closure after extraction of premolars using 3D dental images can be obtained through the subdivision of tooth movement during the initial aligning, space closure and finishing stages.