주제 : 금융소비자 복지 ; 제주지역 대학생의 재무스트레스, 재무의사소통, 재무관리역량이 재무관리행동에 미치는 영향

한가은 ( Ga Eun Han ),김정숙 ( Jeong Sook Kim ) 한국금융소비자학회 2015 한국금융소비자학회 학술발표논문집 Vol.2015 No.-

본 연구의 목적은 제주도내 대학생들을 대상으로 대학생의 재무관리역량과 재무관리행동에 영향을 미치는 요인들의 상대적 영향력과 인과적 관계를 분석하는데 있다. 주요 결과는 다음과 같다. 첫째, 재무스트레스에 유의한 영향을 미치는 요인은 전공계열, 부직업, 부교육수준, 아르바이트경험, 학자금대출경험, 월평균용돈, 용돈만족도 등이었으며, 재무의사소통에 유의한 영향을 미치는 요인은 성별, 용돈관리능력, 용돈만족도, 재무스트레스 등이 있었다.둘째, 재무관리태도는 카드개수, 재무스트레스, 재무의사소통에 따라, 재무지식은 카드사용여부, 모직업, 재무의사소통에 따라, 재무관리기능은 재무교육경험, 카드개수, 용돈관리능력, 재무의사소통에 따라 유의한 차이가 있는 것으로 나타났다. 재무의사소통은 재무관리태도 재무지식, 재무관리기능에 모두 유의한 영향을 미치고 있었다. 셋째, 재무관리행동은 카드개수, 용돈관리능력, 재무스트레스, 재무의사소통, 재무관리기능에 따라 유의한 차이가 있었으며, 재무관리행동에 가장 큰 인과적 영향을 미치는 요인은 재무관리기능이었으며, 그 다음으로는 용돈만족도, 재무의사소통, 용돈관리능력, 재무스트레스 등의 순이었다. 간접적으로 재무관리 행동에 가장 큰 영향을 미치는 요인은 용돈만족도이었으며, 그 다음으로는 재무의사소통, 재무스트레스, 용돈관리능력, 성별, 학자금대출경험, 아르바이트경험 등의 순으로 나타났다. This study seeks to analyze the effects of the general characteristics of college students on their financial stresses, financial communication, financial management abilities, and financial management behaviors, and analyze the relative leverage and the causal relationship of the factors that have influence on them. The summaries of the study are as follow. First, the financial stresses showed significant differences according to the lines of their majors series, their part time jobs, their parents`` education levels, their part time work experiences, their ``student loans`` experiences, their averaged monthly allowances, and the degrees of their satisfaction with their allowances. Second, the financial management attitudes showed significant differences according to the numbers of the cards, and their financial stresses, their financial communication; and the financial knowledge indicated significant difference depending on their card use status, their regular jobs, and their financial communication. In addition, the financial management functions showed significant differences according to their financial education experiences, the numbers of their cards, their allowances management abilities and their financial communication. The financial communication had singnicant influence on all of the following: their attitudes towards the financial management, their financial knowledge, and their financial management functions. Third, the financial management behaviors showed significant differences according to the numbers of their cards, their allowances management abilities, their financial stresses, their financial communication, and their financial management functions. The largest causal factors affecting their financial management behaviors were found to be the financial management functions followed by their financial communication, their allowances management skills, and their financial stresses. Indirect factors that had the greatest impact on their financial management behaviors turned out to be their financial communication, followed by their financial stresses, their allowances management skills, their genders, their``student loans``experiences, student loans, and their part-time job experiences.

심사논문 : 제주지역 대학생의 재무스트레스와 재무의사소통이 재무관리역량에 미치는 영향

한가은 ( Ga Eun Han ),김정숙 ( Jeong Sook Kim ) 한국금융소비자학회 2014 금융소비자연구 Vol.4 No.2

본 연구의 목적은 제주도내 대학생들을 대상으로 대학생의 재무관리역량에 영향을 미치는 요인들의 상대적 영향력과 인과적 영향을 분석하는데 있다. 제주도내 대학생 514명을 대상으로 2014년 9월 15일 ∼ 9월 26일까지 설문조사를 실시하였으며, 분석방법으로는 t-test, 일원배치분산분석, Sheffe의 다중범위 검증, 다중회귀분석, 경로분석을 실시하였다. 주요 결과는 다음과 같다. 첫째, 회귀분석 결과, 재무스트레스는 전공계열, 부직업, 부교육수준, 아르바이트경험, 학자금대출경험, 월평균용돈, 용돈만족도에 따라 유의한 차이가 나타났으며, 재무의사소통은 성별, 용돈관리능력, 용돈만족도, 재무스트레스에 따라 유의한 차이가 나타났다. 둘째, 재무관리태도는 카드개수, 재무스트레스, 재무의사소통에서, 재무지식은 카드사용 여부, 모직업, 재무의사소통에 따라 유의한 차이를 나타냈다. 그리고 재무관리기능은 재무교육경험, 카드개수, 용돈관리능력, 재무의사소통에 따라 유의한 차이를 나타냈다. 재무의사소통은 재무관리태도, 재무지식, 재무관리기능에 모두 유의한 영향을 미치고 있었다. 셋째, 재무스트레스는 재무의사소통을 통하여 재무관리태도, 재무지식, 재무관리기능에 간접적으로 영향을 미치고 있었을 뿐만 아니라, 재무관리태도에는 직접적으로 영향을 미치고 있었다. 넷째, 재무의사소통은 재무관리태도, 재무지식, 재무관리기능에 직접적으로 영향을 미치고 있었다. 다섯째, 재무관리역량에 가장 큰 인과적 영향을 미치는 요인을 살펴보면, 재무관리태도는 재무의사소통이었으며, 재무지식은 모직업, 재무관리기능은 용돈관리능력이었다. The purpose of the study is to analyze the relative leverage and the causal relationship of the factors that have influence on financial management capability of the college students with college students in Jeju-do. A questionnaire survey was conducted on 514 university students in Jeju Island from September 15 2014 through September 26 and frequency and percentage, one-way ANOVA, Scheffe`s multiple range test, multiple regression analysis and path analysis were conducted on the data. The main results are as follows. First, Based on Regression analysis, the financial stress showed significant differences according to their lines of majors, fathers` job and education levels, part-time job experiences, student loans experiences, average monthly allowances, and satisfaction with financial allowances. The financial communication showed significant differences according to their genders, allowances management capability, the levels of their satisfaction with their allowances, and financial stress. Second, The financial management attitude showed significant differences according to the numbers of the cards, financial stress, and financial communication; The financial knowledge indicated significant differences according to their card use status, mothers` job, and financial communication. In addition, the financial management functions showed significant differences according to their financial education experiences, the numbers of cards, allowances management capability, and financial communication. The financial communication had significant influence on all of the following: their attitude towards the financial management, financial knowledge, and financial management functions. Third, Financial stress not only indirectly affected financial management attitude, financial knowledge, and financial management functions through financial communication but also directly affected financial management attitude. Fourth, Financial communication gave direct influences on financial management attitude, financial knowledge, and financial management functions. Fifth, Factors to give largest influences in causal relationship on financial management capability were financial communication in financial management attitude; mothers` job in financial knowledge; allowances management capability in financial management functions.

레이저를 이용한 금 나노섬구조 신속 제조 기술과 센서 응용

한가은(Ga-Eun Han),Nguyen Hoang Minh,윤재성(Jae Sung Yoon),김관오(Kwanoh Kim),유영은(Yeong-Eun Yoo),강도현(Do-Hyun Kang) 한국생산제조학회 2023 한국생산제조시스템학회 학술발표대회 논문집 Vol.2023 No.12

Epigenomics는 무엇이며 식품산업에 어떻게 응용될 것인가?

유진영(Jin Young Yoo),한가은(Ga Eun Han),이종훈(Jong Hun Lee) 한국식품과학회 2017 식품과학과 산업 Vol.50 No.1

Epigenomics is a study that analyzes and quantifies various epigenetic alterations that affect gene expressions in cells from the viewpoint of collective characteristics on biological molecular pools. DNA methylation and histone modification in cells can induce the epigenetic alterations. Especially, epigenetic alterations influenced by external factors such as ingested foods and other environmental factors have been examined in the whole genome regions, which provide accumulated data of altered regions or patterns of global genome. Statistical analyses of these regions or patterns enables us to correlate epigenomic changes with human diseases in the whole genome region. Finding meaningful regulators is a major concern of epigenomic research in recent years, and these results will give the food industry an important clue to future food.

서비스 실패에서 발생한 분노가 고객의 대응전략과 반추적 반응에 미치는 영향

황용철(Hwang Young Chul),한가은(Han Ga Eun) 한국경영교육학회 2013 한국경영교육학회 학술발표대회논문집 Vol.2013 No.12