가계재무관리자의 계획성과 안정추구성이 가계경제예측과 가계재무복지감에 미치는 영향

허경옥(Kyungok Huh),전미영(Miyeong Jeon),이수현(Suhyeon Lee) 한국FP학회 2015 Financial Planning Review Vol.8 No.3

본 연구는 가계재무 담당자의 계획성과 안정추구성이 가계경제예측을 매개로 하여 가계재무복지감에 미치는 영향력을 구조방정식모형을 활용해 파악하고자 했다. 특히, 가계재무복지감에 영향을 미치는 변수들의 구조적 관계는 재무관리자의 생애주기에 따라 달라질 수 있음을 가정하고 생애주기 변수의 조절효과를 검증했다. 이를 위해 서울시와 수도권에 거주하는 가계재무담당자를 대상으로 설문조사를 실시했으며, 약 247명의 유효자료를 분석에 사용했다. 본 연구의 주요 결과는 다음과 같다. 첫째, 응답자의 사회인구학적 특성에 따라 본 연구에서 측정한 주요 변수인 재무관리자의 계획성, 안정성추구 성향, 가계경제예측, 가계재무복지감에 유의한 차이가 있었다. 둘째, 계획성과 안정추구성 변수와 종속변수인 가계재무복지감의 직접적인 관계는 발견되지 않았다. 다만, 계획성은 매개 변수인 가계경제예측 변수를 경로로 하여 재무복지감에 유의한 간접효과를 나타냈다. 안정추구성향이 재무복지감에 미치는 직접, 간접적인 효과는 나타나지 않았다. 셋째, 생애주기의 조절효과를 검증한 결과, 생애주기 초년기층에서는 안정추구성향과 가계재무복지감의 관계가 유의하지 않았으나, 생애주기 중장년기 집단에서는 유의한 관계를 나타내어 생애주기변수가 안정추구성과 재무복지감의 관계를 조절함을 확인했다. 재무담당자의 심리적 변수와 재무복지감의 관계를 규명하고, 재무담당자의 생애주기에 따른 조절효과를 규명한 본 연구의 결과가 향후 생애주기에 따른 차별적인 소비자 교육, 재무 관련 상품의 판매를 위한 마케팅전략 수립, 나아가 효과적인 경제정책 설립을 위한 기초 자료로 활용될 수 있기를 기대한다. This study aims to identify how two psychological variables concerning household managers, the propensity to plan and stability, affect the prospects and well-being of the household economy. Under the hypothesis that the structural relation between the psychological variables and the well-being of the household economy is affected by the life cycle of the household manager, this study also verifies the moderating effect of the life cycle as a variable. For this analysis, a survey was conducted on household managers living in the Seoul Metropolitan Area. The valid data of 247 respondents were used in this study. The major findings of this study are as follows. First, the results indicated that the variables such as the propensity to plan, tendency towards stability, prospects of the household economy, and the well-being of the household economy show the significant differences by the socio demogrphic groups. Second, a direct effect between the dependent variable and major psychological variables measuring the propensity to plan and stability, the well-being of the household economy, is not found. However, the propensity to plan has an indirect effect on the well-being of the household economy by affecting the variable measuring the prospects of the household economy. The tendency towards stability, on the other hand, has no direct or indirect effect on the well-being of household economy. Third, an examination of the moderating effect of life cycles reveals that in the earlier period of the life cycle, the tendency towards stability shows no relation with the well-being of the household economy. However, the stability variable is revealed to have a meaningful relation with the well-being of the household economy among the mid-age respondents, confirming that as a variable, the life cycle adjusts the relation between stability and economic well-being.

부인과 남편의 가사 및 육아시간 결정요인 연구

許慶玉(Kyungok Huh) 가정과삶의질학회 1994 가정과삶의질연구 Vol.12 No.2

제품과 서비스로 인한 소비자불만에 따른 소비자불평행동 연구

허경옥(Kyungok Huh) 가정과삶의질학회 1997 가정과삶의질연구 Vol.15 No.4

농가주부의 시간배분연구 : 가정생산이론적 접근

허경옥(Huh Kyungok),김인숙(Kim Insook) 가정과삶의질학회 1996 가정과삶의질연구 Vol.14 No.3

소비자의 피해보상요구행동에 대한 소비자인식, 소비자책임 및권리의식이 소비자의 윤리적 소비행동에 미치는 영향 분석

허경옥(Huh, Kyungok) 한국소비문화학회 2019 소비문화연구 Vol.22 No.2

This study investigated influence on consumers awareness, recognition of responsibility, and recognition of rights of consumer complaining behaviors to ethical consumption behavior by analysis of structure. Further, it tested moderating effects on consumption life satisfaction on structure relation of this model. The results are shown below. First, on various consumer complaining behaviors, consumers awareness on excessive request brought positively influenced consumer recognition of responsibility. It means positive awareness on excessive request effect highly to recognition of responsibility buy lowly to recognition of rights. In the other hand, consumer recognition of responsibility influenced positively to ethical consumption behavior. It showed higher consumer recognition of responsibility makes higher ethical consumption behavior. While, consumer recognition of rights did not influenced ethical consumption behavior. Second, this study tested moderating effects on satisfaction in life and consumption life satisfaction on structure relation of influence to consumers awareness, recognition of responsibility, and recognition of rights of consumer complaining behaviors. Higher consumption life satisfaction group showed negative influence to awareness of refund and excessive request on recognition of responsibility. Also, Higher consumption life satisfaction group showed positive influence on consumer recognition of responsibility to ethical consumption behavior.

고객상담센터 근로자의 개인적 특성, 소비자불만행동 및 소비자악성행동에 대한 인식이 직무소진에 미치는 영향 분석

허경옥(Huh, Kyungok) 한국소비문화학회 2018 소비문화연구 Vol.21 No.3

The purpose of this study is to analyze the effect of employee’s perception of employee’s personal characteristics, consumer complaints behavior and malicious behavior on employee’s own job exhaustion by conducting covariance structure analysis. In addition, we examined the moderating effects of the size of the firm in which the workers work in the structural model set in this study. The results of this study are summarized as follows. First, the results of the covariance structure analysis show that social workers who are faithful to their work and well adapted to their surroundings and environment are positively perceived by consumers to respond to complaints. On the other hand, workers inclusion and sociability showed relatively positive perceptions of malicious behaviors of consumers. Second, employee’s complaints behavior and employee’s perception of malicious behavior have a negative effect on employee exhaustion. In other words, as workers have a negative perception of consumer complaints and malicious behaviors, the level of job exhaustion is high. Finally, the moderating effect of the size of the firms in the influence relationship of the models set out in this study shows that the influence of inclusiveness, sincerity, and sociability on the employee perception of the consumer complaints behavior is larger in small firm workers. In addition, the static effect of the perception of the customer consultation center workers on the consumer complaints behavior on job exhaustion was larger for the small firm workers.

탈북청소년의 소비자의사결정 단계별 구매행동분석과 영향요인 조사 및 소비자능력향상 방안 모색

허경옥(Huh, Kyungok) 한국소비문화학회 2013 소비문화연구 Vol.16 No.3

This paper investigated the current characteristics of North Korean adolescent refugees' purchasing behavior in South Korea. More specifically, this study researched the following topics: problem recognition, information search, alternate assessment, purchase, and evaluation after purchase. Also, the research took into consideration the effects of each individual's level of satisfaction in life, their understanding of the market economy, their confidence in consumption life, and their buying behavior. The primary research results are presented below. First, North Korean adolescent refugees main determining factor when making a purchase was price while trend or name-brand was not. After purchasing, research showed more than half of consumers disregarding complaints after having received complaints on the item that was purchased. This showed the North Korean adolescent refugees are passive in regards to complaining behaviors. Second, individuals between the ages of 26 and 30 who were not majoring in social and human sciences and who did not flee to South Korea due to economic reasons exhibited a high level of satisfaction in economic life. Females between the ages of 26 and 30 who displayed a high level of cultural fitness also exhibited a high level of satisfaction in life. Meanwhile, educated individuals between the ages of 31 and 35 who were majoring in social and human sciences and who fled a number of years prior due to economic hardship to an area of South Korea other than Seoul exhibited a high level of confidence in their consumption life. Third, less educated females making around 510,000-1,000,000 Won and majoring in social and human sciences who recently fled to South Korea exhibited a high level of orientation with the current trends. Finally, young, less educated females majoring in social and human sciences with income lower or higher than 510,000-750,000 Won who recently fled to South Korea and who may have lived in a farming village in North Korea exhibited a high level of impulse buying tendencies. Meanwhile, low-income, single females between the ages of 26 and 30 living in an area of South Korea other than Seoul for less than 5 years and majoring in social and human sciences exhibited a high level of rationality in their purchasing behavior.

소비자의 개성에 따른 구매행동유형, 광고와 사적 구전정보에 대한 신뢰 및 만족도, 구매욕구에 대한 분석

허경옥(Huh, Kyungok) 한국소비문화학회 2014 소비문화연구 Vol.17 No.2

This study tried to classify consumer groups by personality and finally four groups were categorized. In addition, this study investigated to find the differences in consumers' purchase behavior style, reliability and satisfaction toward advertisement and personal information, and purchase behavior across personality. Summary of results of this study follows. First, the tendencies of impulsive purchasing, purchasing popular brand, preferring fashionoriented products were more likely higher in the group 1(independent-changableㆍextravert) and 3(acceptableㆍneutral). The propensity to consume rationally was the most highest in a group 2(rationalㆍintroversive), but not in a group 4(irrationalㆍintroversiveㆍdependent). Second, overall two groups, group 1(independent-changableㆍextravert) and group 3(acceptableㆍ neutral) were more likely to show the high level of accessibility, satisfaction, remind for TV advertisement. A group 2(rationalㆍintroversive) showed the lower level of accessibility, reliability, satisfaction, and remind for salesman. On the other hand, a group 2(rationalㆍintroversive) showed lower reliable for personal word-of-mouth, but the group 3(acceptableㆍneutral) and 4(irrationalㆍintroversiveㆍdependent) showed more higher for it. A group 4(irrationalㆍ introversiveㆍdependent) was dissatisfied in the private personal word-of-mouth, but was satisfied in a group 1(independent-changableㆍextravert). The level of memory was higher in group 1(independent-changableㆍextravert), whereas was lower in the group 2(rationalㆍ introversive) and group 4(irrationalㆍintroversiveㆍdependent) after listening the private personal word-of-mouth. Third, a group 3(acceptableㆍneutral) showed desire highly to buy after watching TV advertisement, but lower in a group 4(irrationalㆍintroversiveㆍdependent). The group 1(independentchangableㆍ extravert) showed desire to buy after accessing salesman, but the lowest in group 2(rationalㆍintroversive). A group 4(irrationalㆍintroversiveㆍdependent) showed the lowest in the level of desire to buy after accessing personal word-of-mouth.

수입제품으로부터의 소비자안전 확보 방안

허경옥(Huh, Kyungok) 한국소비문화학회 2009 소비문화연구 Vol.12 No.2

The recent explosion of imported toys and low-priced stationery goods in Korea threatens the safety of consumers. This paper aims to examine the safety of imported goods and the relevant legislation and search solutions for the problems. it also suggests a benchmarking solution after going through the legislation for safety of imported goods in foreign nations. In order to ensure the consumer safety from buying imported goods, this paper made several policy suggestions like (1) to revise and strengthen the legislation regarding imported goods, (2) to build information systems for imported goods, and their efficient utilization, (3) to build cooperative and coordination systems with foreign nations, (4) to reform in the policy of the acceptances from the director of a customhouse and the ploicy of custom clearance, (5) to regulate importers, (6) to establish and implement consumer-oriented policy, (7) to build specialized organizations for ensuring the safety of imported goods and to generate their network, and (8) to suggest policies and institutions for managing the safety of imported goods.

생활양식에 따른 소비자의 웰빙 제품 구매행동, 만족도, 재구매의사 분석

허경옥(Huh Kyungok) 한국소비문화학회 2007 소비문화연구 Vol.10 No.4

  This paper classifies several comsumer groups based on their different life styles, and then investigated whether those groups differ in the purchase frequency, satisfaction after purchasing, and repurchase intention. A total of 224 male and female consumers older than 19 years old who live in and near Seoul were collected using survey questionnaire. The following is the summary of the main results.<BR>  First, consumers purchase well-being cereal, health and leisure, beverage, and vegetable frequently, but do not purchase frequently well-being clothing, air-cleaner, and rice.<BR>  Second, married consumers are more likely to purchase well-being rice and vegetables, while non-married consumers are less likely to purchase well-being products of beverage and health·leisure. In addition, female consumers are more likely to purchase well-being products of clothing and cosmetics, while old consumers are more likely to purchase well-being products of clothing and health·leisure. Consumers are willing to purchase well-being products of vegetable, clothing, and cosmetics even though their prices are high compare to non well-being products.<BR>  Third, the group of “pro-environmental·conspicuous” showed high level in the purchase frequency, satisfaction, and intentions to repurchase. The group of “non-environmental·seeking new” are more enthusiastic to purchase well-being beverage and cosmetics. The group of “health seeking·neutral” purchase frequently well-being beverage and health·leisure. In addition, both level of their satisfaction after purchasing and intentions to repurchase are high. The purchase frequency, satisfaction, and repurchase intention of well-being products are low in the group of “negative life·isolated” and “pro-environment·non-conspicuous”.