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- 저자 : 최현자 ( Hyun-cha Choe ) (검색결과 54 건)
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최현자 ( Hyun Cha Choe ),김성숙 ( Sung Sook Kim ),성영애 ( Young Ae Sung ),안수현 ( Soo Hyun Ahn ),이홍무 ( Houng Mu Lee ),정세창 ( Se Chang Jung ),한창희 ( Chang Hee Han ) 한국금융소비자학회 2013 금융소비자연구 Vol.3 No.1
본 연구는 최근의 금융환경의 변화와 해외사례를 반영하여 금융기관의 금융소비자보호 역량을 측정할 수 있는 구체적인 지표를 개발하고, 은행업, 금융투자업, 보험업, 신용카드업 등 각 금융업권별로 소비자보호관점에서 경영 평가를 포함한 종합적인 금융소비자보호 평가지표를 산출하기 위하여 어떠한 지표들을 구체적으로 추출할 수 있는지 및 그 산정기준에 대한 기초 작업을 수행한 것이다. 본 연구의 결과는 향후 금융시장에서 금융소비자보호를 위해 필요한 정책 수립과 감독 및 검사에 있어 방향을 설정하는데 기초자료를 제공하고 금융소비자의 요구에 부응하는 금융서비스의 제공을 위한 지침으로 사용될 수 있을 것이다. 또한 금융당국이 개별 금융기관의 금융소비자 보호역량을 측정하고 해당 금융기관의 서비스품질을 평가하는 토대를 제공함으로써 금융기관의 금융소비자보호행태와 건전한 영업관행 정착에 도움이 될 것으로 기대한다. This study has carried out basic work on what indexes we can abstract specifically and criteria of their selection in order to develop specific indexes with which one can measure financial consumer protection abilities of financial institutions by reflecting recent changes in financial environments and foreign cases, and to yield generic indexes for the evaluation of financial consumer protection including management evaluation of individual business areas like banking, financial investment, insurance, credit cards etc. from the perspective of consumers. The results from this study can provide basic materials for the decision of the direction of policy making, supervision and examination necessary for financial consumer protection in the financial market in future and be used as guidelines for the provision of financial services consistent with financial consumers` needs. Also, this study is expected to help financial institutions fix their sound behavior of financial consumer protection and healthy sales conventions by providing a base for financial authorities`measurement of financial consumer protection abilities of financial institutions and evaluation of relevant financial institutions` service qualities.
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금융교육과 금융거래경험이 대학생의 금융이해력에 미치는 영향에 관한 연구
최현자 ( Hyun Cha Choe ),조혜진 ( Hye Jin Cho ) 한국소비자학회 2011 소비자학연구 Vol.22 No.4
This study aims to analyze how undergraduate students` financial literacy levels differ according to socio-demographics, financial education, and financial experience variables and how these variables affect their financial literacy, and to examine each relevant variable`s relative influence. An ANOVA, a Chi-squre test and a hierarchical multiple regression analysis was carried out with socio-demographics, financial educations, and financial experiences as independent variables in order to understand factors that affect undergraduate students` financial literacy levels and examines their relative influences. In the first stage, the financial literacy was explained to the extent of 6% by Model 1`s sociodemographic variables (p<.001) and it was statistically significant. In other words, males` financial literacy was better than females`. Moreover, the closer to a metropolitan area a student`s university was located and the greater the amount of pocket money the student was given, the better the student`s financial literacy. The financial education variables input in the second stage increased the overall explanatory power by 20%, with the total explanatory power at 26% (p<.001), which was statistically significant. A student`s financial literacy was better when a student attended a four-year university rather than a two-year college, was in a higher year, attended a business school, and had taken a large number of financial courses. In the third stage, inputting financial experiences as a variable increased Model 3`s explanatory power by 3%; as a result, 29% (p<.001) was explained and was statistically significant. Regarding financial experiences, those with an account, or cash or check card transaction experiences were better in financial literacy. To put together the above results and consider relative influences of the variables that affect students` financial literacy, the type of university most strongly affected it, followed by the college location, experience of account transactions, experience of cash and check card use, school year, the number of financial courses taken, major, and knowledge of their parents` educational backgrounds. The study results show that financial education in school and actual financial experiences are effective in improving undergraduate students` financial literacy. Therefore, in order to maximize financial education`s effects, financial classes should be required courses and the education should be complemented by diverse methods, thereby enabling students to make various financial transactions such as account and cash or check card transactions through experiential learning. In particular, interesting material with visual effects and games should be provided in class so that those who are uninterested in financial management and who do not know their parents` educational backgrounds and monthly incomes obtain financial knowledge.
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최현자 ( Hyun Cha Choe ),주소현 ( So Hyun Joo ),조혜진 ( Hye Jin Cho ),김민정 ( Min Jeung Kim ),김정현 ( Jung Hyun Kim ) 한국사회보장학회 2013 사회보장연구 Vol.29 No.1
Even though the acceleration of social interests and effort for retirement planning, there are still so many people who retire without enough preparation for the retirement life. The view to encompass financial and non-financial issues in retirement planning is getting wide attention, and, pre-retirement people`s prospect for retirement life and retiree`s assessment of their own life are coming into the spotlight as well as the preparation for retirement life. Thus, this study developed the retirement sentiment index in all of the components of life which represents the prospect and the assessment for the retirement life. The key findings were as follows: First, the retirement assessment indexes were much lower than the prospect indexes in most of the components of life, except the components of health and leisure. Second, the gap between the prospect indexes and the assessment indexes were biggest in the components of finance and work. Third, having little children lowered the satisfaction of retirement life, while the number of family member had positive effect for the assessment of retiree`s life. And, having proper income and wealth were associated with the satisfaction of life in retirement. These findings have practical implications for financial institution, the education of retirement planning, and policy making as well as retirement planning strategies for individuals.
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최현자 ( Hyun Cha Choe ),주소현 ( So Hyun Joo ),김민정 ( Min Jeung Kim ),김정현 ( Jung Hyun Kim ),조혜진 ( Hye Jin Cho ) 한국조사연구학회 2012 조사연구 Vol.13 No.3
As individual`s life expectancy increases, post-retirement period is getting longer and thus people must start planning for their post-retirement life as soon as they enter the job market. Preparation for post-retirement life should include both financial and non-financial factors; however, so far retirement planning has been focused on financial preparedness. As such existing evaluation tools for retirement readiness have mainly gauged financial retirement preparation. This study aims to develop a comprehensive retirement readiness index, a retirement readiness composite index, customized for Korean society which includes both financial and non-financial aspects of life domains to gauge current retirement readiness levels of Korea. The major research findings are as follows. First, a SPA model was developed based on the systems theory and financial planning process for retirement planning. The SPA model includes satisfaction with one`s present living conditions, planning for retirement living, and action needed to achieve post-retirement well-being. The retirement readiness composite index consists of seven life domains: leisure, work, family, friends, residence, peace of mind, financial resources, and health. Second, the retirement preparedness level for Korean households was 58.3 out of 100 when assessed with the retirement readiness composite index. The scores were especially low in the domains of work and financial resources. Third, the preparation for retirement was related to age, health status, employment stability, and financial resources. The retirement readiness composite index can be used to comprehensively evaluate retirement preparedness and the entire retirement planning process with the seven life domains should be considered to achieve desired retirement level of living.
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