재무상담을 통한 청년의 재무상태 변화: 서울 영테크 참여자를 중심으로

한지형(Jihyung Han),양수진(Su Jin Yang),차경욱(Kyung-Wook CHA),김민정(Min Jeung Kim) 한국FP학회 2025 Financial Planning Review Vol.18 No.3

The Seoul Metropolitan Government's 'Seoul Young Tech Program' was launched to mitigate the structural barriers that hinder asset accumulation among young adults, offering tailored financial counseling and education programs. This initiative holds policy relevance in its intent to foster economic self-reliance among a generation that is often marginalized within formal financial systems. Nevertheless, empirical evaluations of such interventions remain scarce, leaving a gap in understanding their concrete financial impacts in the South Korean context. With support from the Seoul Metropolitan Government, this study examined the financial impact of the counseling program by assessing the changes in the participants' financial conditions over time. Specifically, the analysis focused on the changes in cash flow and balance sheet indicators using paired t-tests on the data from 1,106 individuals who received counseling services at least twice between 2022 and 2024. The findings revealed statistically significant improvements in financial conditions post-counseling. The participants exhibited a greater marginal propensity to save than to consume, indicating a behavioral shift wherein additional income was more frequently allocated to savings and investment. Furthermore, the proportion of long-term financial products, including fund-linked savings plans and personal pension accounts, increased substantially, alongside a rise in financial investment assets. These patterns suggest the emergence of more deliberate and future-oriented financial behaviors. The implications of this study underscore the potential of structured financial counseling as an informational intervention and a mechanism that actively facilitates behavioral change. These results support the need for integrated systems in which professional financial counseling is closely aligned with educational initiatives and sustained institutional support that enables young adults to maintain and manage tax-advantaged, long-term financial assets.

머신러닝을 통한 가계의 재무스트레스 영향요인 예측 및 분석: XGBoost의 활용

한지형 ( Han Jihyung ),고대균 ( Ko Daekyun ),최현자 ( Choe Hyuncha ) 한국소비자학회 2019 소비자학연구 Vol.30 No.2

In this study, we explored how various factors influenced financial stress. Also, to suggest ways to improve the economic well-being of households we identified influence of the factors. For this purpose, 2,006 data were collected through online surveys. The analysis method was used XGBoost which is one of the algorithms using machine learning and multiple regression analysis. After analyzing the important predictors of financial stress through XGBoost, multiple regression analysis of financial stress was conducted to confirm the specific influence of variables. The results of the study are as follows. First, The level of financial stress that consumers perceive as subjective is about 2.3 points on average for 4 points. Therefore, it is necessary to constantly try to manage the consumer's financial stress at an appropriate level. Second, As a result of analyzing XGBoost to determine whether the consumer's financial stress level belongs to the high and low groups based on the average, it is confirmed that the variable indicating the objective financial state of the consumer and the variable indicating the subjective perception are all influenced. On the other hand, factors related to long - term savings and investment, long - term risk management insurance, and future prospects for the household economy are less important. Third, The effect of the major factors revealed that the subjective perception of consumers has a great influence on the financial stress level. Especially, we can confirm that the factors related to the emergency fund based on the short-term plan are influential. Households’ monthly income, savings and investment, and debt payment were more influential on financial stress level than stock such as household total assets. Based on the above results, it is necessary to support effective policy and consumer education so that consumers can manage financial stress level well.

고령가계의 은퇴 여부에 따른 소득유형 구분과 유형별 소비함수 분석

한지형 ( Han Jihyung ),고대균 ( Ko Daekyun ) 한국소비자학회 2019 소비자학연구 Vol.30 No.4

In this study, based on the data from the 4th to the 6th year of the KReIS, the elderly households were classified two stages, according to retirement status and income sources and consumption functions were estimated. The purpose of this study is as follows. First, it is intended to distinguish the elderly households by disaggregating them by using their retirement status and income sources step by step. Specifically, the types were identified by dividing the elderly households into retirement and non-retirement households according to their retirement status and classifying them again according to income sources. Second, it is intended to identify the key characteristics of each type of elderly households according to their retirement status and income sources. Third, through the panel regression analysis, the consumption function is estimated for each type of elderly household according to their retirement status and income source to identify the impact of each source of income on consumer spending. Through this study, the problems that can ultimately be experienced by the elderly households in economic terms were diagnosed in advance and solutions were sought. This study has the following implications: First, the KReIS data suitable for research purposes were used and, in particular, the three-year data were analyzed using the 4-6th (2011-2015) data to include differences in individual households and differences over time. Besides, this study classified the entire elderly households into more granularity by phasing out the elderly household through two axes: retirement status or income source. Furthermore, the purpose of this study was to assess the condition more accurately and find effective countermeasures by estimating consumption functions differently by looking at the types of sources of income and their influence on consumer spending. We analyzed 1,002 households in the KReIS. Of the total KReIS data, households that meet all three conditions were analyzed and the data were extracted. First, a balanced panel was established for households that responded to all three numbers until 4th and 6th years and used in the analysis. Second, only single-person and married-person households were studied. This is because households that live together with their actual sons and daughters may overstate their income and consumption expenditure. Third, only households whose retirement status remained the same were studied from the 4th to 6th years of the KReIS. In other words, only households that have not been retired or have been retired continuously for 4th and 6th years are included in the analysis data. Households who experienced retirement within the period(4th and 6th years) were excluded from the analysis. This is because if one experienced retirement within the period, there could be a big change in economic conditions, including income and consumer spending. Therefore, it excluded cases where it was difficult to analyze the differences in characteristics of elderly households depending on whether they retired or not. In this study, the latent profile analysis was performed using Mplus to distinguish types of elderly households based on the data extracted. Also, STATA 13 was used to cross-tabulation and analyze the average difference between groups to examine the characteristics of each type based on the type of elderly households. For analysis of consumption function by type, panel regression analysis was performed and the random-effects model was used in detail. This study focused on the elderly households whose life span is increasing after retirement and the importance of that period is becoming increasingly important to them, looking at the economic characteristics of the elderly households and diagnosing problems to find appropriate solutions. The conclusion of this study is as follows. First, elderly households can be subdivided into 6 types. Non-retirement households have more labor-oriented households, while retirement households have more private transfer-centered households. It can be seen that many elderly households now rely on private transfer income, and when studying elderly households in the future, it provides suggestions that analysis is needed considering type-specific characteristics. Second, the characteristics of elderly households by type were different. In the non-retirement households, the labor and pension types are relatively older and the level of earning an income is lower than the labor-oriented type. They can be seen as continuing to engage in economic activities. Besides, private transfer-centered types in retirement households show that debt affects consumption expenditure positively, indicating that some debts cover consumption expenditure. This required a tailored solution to address the economic problems experienced by individual types of elderly households. Third, types focused on property income and pension income that can be accumulated in advance of retirement are higher than other types of economic welfare. Therefore, there is a need to emphasize the importance of retirement preparation for younger generations who have not yet retired, and to provide policy alternatives to support the retirement preparation along with the efforts to provide education. Fourth, it can be seen that the generation of earned income for elderly households has a considerable influence on economic well-being. As the elderly population, which is still motivated and capable of working, is likely to increase with changes in its future demographic structure, efforts need to be made not only in re-employment policy but also in matching legal and social retirement age with actual retirement age. Fifth, the consumption expenditure of elderly households is influenced by other income sources, and its influence is also different by type. Especially, their consumption expenditure tends to depend on the income source having regular characteristics such as earned income or pension income rather than the main income source that determines the type of households. Therefore, considering the reality that the level of guarantee of old-age income through a public pension is low, it is necessary to consider a way to delay the retirement period relatively by proactive supporting the employment policy for elderly households and extending the working period.

사회초년생의 금융사회화과정에 관한 연구

한지형(Jihyung Han),최현자(Hyuncha Choe) 한국FP학회 2013 Financial Planning Review Vol.6 No.3

본 연구는 그동안 소비자학에서 간과되어 온 사회초년생을 연구대상으로 함으로써 생애주기에서 사회초년생 시기의 중요성을 알리고 그들의 행동이나 인식에 영향을 미치는 새로운 영향요인으로서 금융사회화의 개념을 도입하여 금융사회화 대행변인에 의해 나타나는 사회초년생의 금융사회화과정 수준을 파악하고자 하였다. 또한 이러한 사회초년생의 금융 사회화과정에 대한 영향 요인을 밝히고 그 영향력을 살펴봄으로써 사회초년생의 금융사회화가 잘 이루어 질 수 있도록 하기 위한 다양한 정책적?교육적 방안을 모색하고자 하였다. 연구 결과를 요약하면 다음과 같다. 첫째, 사회초년생의 전반적인 금융사회화과정 수준은 중간보다는 약간 낮은 정도였다. 구체적으로는 부모로부터의 금융사회화가 가장 많이 이루어지는 것으로 나타났으며 부모의 뒤를 이어 주변인, 대중매체, 학교 순으로 금융사회화과정이 이루어지고 있었다. 또한, 부모와의 상호작용 중에서도 부모로부터의 직접적 학습을 통한 상호작용 수준이 가장 높은 것으로 나타났다. 둘째, 사회초년생의 금융사회화과정에 유의하게 영향을 미치는 요인 중에서도 대부분 부모와 관련된 변수들이 상당히 중요하게 나타났다. 즉, 부모의 특성에 해당되는 요인들이 사회초년생의 금융사회화과정에 많은 영향을 미쳤으며 본인의 특성 중에서는 부모에게 재무적 원조를 제공하거나 받는 행위, 그리고 부모와의 재무적 갈등 정도와 같이 부모와 재무적으로 얼마나 교류를 하는지가 중요한 영향요인인 것으로 나타났다. 마지막으로, 사회초년생의 금융사회화과정에 대한 아버지와 어머니의 영향이 다른 것으로 나타났다. 아버지의 경우 연령이나 교육수준과 같이 표면적이고 경제적인 능력과 연관이 있는 요인들이 유의한 영향을 미치는 것으로 나타났다. 반면 어머니의 경우, 가정 내에서의 존재 자체와 자녀와 함께 보낼 수 있는 시간과 관련된 요인들이 금융사회화과정에 유의한 영향을 미쳤다. 이러한 결과들은 현재 사회초년생의 금융사회화는 부모로부터 학습되는 것이 가장 크다는 것을 알 수 있도록 해주며 부모-자녀사이의 관계가 상당히 중요하다는 것을 보여준다. 또한 보다 금융사회화가 잘 이루어질 수 있도록 하기 위해서는 각각의 금융사회화 대행변인들과의 상호작용을 더욱 활발하게 할 필요가 있음을 시사한다. The purpose of this study was to draw research attentions for young adult as a significant life cycle stage group by focusing on their financial attitudes and behaviors. Also this study adopted the concept of “Financial Socialization” that have not studied before in Korea and examined the status of young adults’ financial socializing process which is the result of the interact between young adults and financial socialization agents. The other purpose of this study was to find out the influencing factors of financial socialization process and examine their influences. The outcomes of this research can provide key information on developing political and educational ways to achieve healthy financial socialization for young adults. The major findings of this study are as follows. First, the status of overall financial socialization process of young adults was lower than the middle score. Specifically, the most significant financial socialization agent for young adults was their parents followed by peers, mass media and schools. In addition, direct education that was obtained from young adults and parents interaction had the strongest influences. Second, most influential factors of young adults’ financial socialization process were related to the parents" characteristics. It means that the factors from the characteristics of parents heavily influenced the young adults" financial socialization. Among the characteristics of young adults, the factors which are related to the interaction with parents such as financial aids and conflict with parents were significant. Third, the types of influences was different between mother and father. The influencing factors from father was related to objective and socio-economic status factors such as age and educational level. On the other hand, the influence factors from mother was related to subjective factors such as time spent with their children. These results show the importance of education from parents and parent-child relationship. It also implies that the interactions with financial socialization agents for young adults are necessary for healthy financial socialization.

큐레이션 기반 “취향용품”을 구독하는 사람들: 쇼핑성향에 따른 유형별 특성 및 구독만족

한지형(Han, Jihyung),천헤정(Cheon, Hyejung) 한국소비자원 2024 소비자문제연구 Vol.55 No.2

본 연구에서는 큐레이션 서비스가 취향품과 결합하여 구독서비스 방식으로 이루어지는 현상에 주목하고, 취향용품 구독서비스를 이용하는 소비자들을 쇼핑성향에 따라 유형화한 후 집단별 특성을 파악하고 집단에 따라 취향용품 구독만족 및 구독지속의도에 영향을 미치는 요인을 살펴보았다. 이를 위해 취향용품을 구독하는 20대~50대 성인남녀를 대상으로 설문조사를 실시했으며 총 197부의 자료를 분석에 활용했다. 주요 연구결과는 다음과 같다. 첫째, 쇼핑성향에 따라 취향용품을 구독하는 소비자를 유형화한 결과 가격에 민감해 적극적으로 정보탐색을 하는 수준이 가능 높으면서도 신상품을 우선시하는 경향이 비교적 높은 ‘합리적 신상 콜렉터’, 모든 쇼핑성향의 요인에 대해 다른 군집보다 비교적 낮은 수준인 것으로 나타나 취향용품을 구독하긴 하지만 눈에 띄는 차별적인 특성을 갖지는 않는 ‘소심한 취향쇼핑러’, 모든 쇼핑성향 요인에 대해 전반적으로 고르게 높은 경향을 보여 모든 요소를 갖추고 있는 ‘육각형 취퍙쇼핑러’로 분류되었다. 둘째 집단간 구동특성에서의 차이를 분석한 결과, 구독동기, 큐레이션에 대한 태고, 구독만족도 및 구독지속의도에서 모두 유의미한 차이가 나타났다. 마지막으로 집단별 구독만족도 및 구독지속의도에 영향을 미치는 요인을 살펴본 결과, 구독만족도에는 모든 집단에서 편의동기와 큐레이션에 대한 태도가 유의미한 영향을 미쳤으나 구독지속의도에서는 세 집단간 미묘한 파이가 나타났다. 이러한 결과를 바탕으로 취향용품을 구독하는 다양한 소비자의 특성과 취향용품을 구독하는 소비자 연구, 나아가 구독서비스에 대한 전망을 다각적으로 논의하였다. The study aimed to explore to the dynamics of consumer behavior within the domain of lifestyle goods subscription services. It identified distinct consumer groups based on their shopping orientation: “informed novelty seekers”, who are price-sensitive and actively seek information while also showing a penchant for new products: “diffident lifestyle shoppers”, who subscribe to lifestyle products without notable discriminating traits: and “hexagonal taste shoppers”, who exhibit a balanced profile across various shopping orientation factors. By analyzing these groups, the study revealed significant differences in subscription characteristics, including motivation, attitudes towards curation, satisfaction, and intention to continue subscribing. Convenience motives and curation attitudes emerged as influential factors affecting subscription satisfaction across all groups. However, subtle variations were obese in subscription intention among the three identified consumer segments. These findings illuminate the nuanced preferences and behaviors of consumers within the lifestyle goods subscription market, offering valuable insights for both practitioners and researchers in understanding this evolving landscape. The study suggests avenues for further research and underscore the potential for tailored strategies to enhance subscription service offerings and customer experiences.

양극성 막 기반 해수 전기분해를 통한 수소 생산

한지형(Jihyung Han) 한국신재생에너지학회 2023 한국신재생에너지학회 학술대회논문집 Vol.2023 No.6

누가 행복한 은퇴생활을 하는가?

한지형(Jihyung Han),최현자(Hyuncha Choe) 한국FP학회 2015 Financial Planning Review Vol.8 No.3

본 연구에서는 소비자학에서는 비교적 최근에 연구가 이루어지기 시작한 행복에 관심을 두고 이미 은퇴를 경험한 은퇴자들을 대상으로 하여 그들의 주관적 행복 수준을 확인하고자 하였다. 그리고 선행연구를 통하여 도출된 행복한 은퇴를 결정짓는 요인인 은퇴자의 인구통계학적 특성, 은퇴 전 일자리관련 특성, 은퇴특성, 재무적 특성, 그리고 비재무적 특성들을 가지고 은퇴자의 행복을 결정하는 요인이 무엇인지 밝히고자 하였다. 그리고 이를 통하여 행복한 은퇴자가 되기 위해서 어떤 부분에 대한 준비가 필요한지 알아봄으로써 다가오는 고령사회에 대비한 적절한 대응 방안을 모색하고자 하였다. 이를 위해서 본 연구에서는 2012년 수집된 서울대-삼성생명 은퇴지수연구 데이터를 사용하였는데, 본 연구에서는 은퇴자의 주관적 행복 수준과 그에 대한 영향요인을 살펴보기 위하여 은퇴자 218명만을 추출하여 분석 대상으로 사용하였다. 데이터 분석을 위해서는 SPSS 18.0 프로그램을 사용하였으며, 조사대상자의 일반적 특성과 은퇴자들의 주관적 행복 수준을 살펴보기 위하여 빈도분석과 기술통계분석을 실시하였다. 또한 은퇴자들의 행복을 결정하는 요인과 그 영향력을 살펴보기 위해서는 위계적 로지스틱회귀모형을 사용하여 분석하였다. 연구 결과를 요약하면 다음과 같다. 첫째, 은퇴자의 주관적 행복감의 수준은 보통보다 약간 높은 정도의 수준이었고 구체적 영역 중에서는 주거만족도가 가장 높았고 관계만족도, 여가생활만족도, 전반적 생활만족도, 그리고 재무만족도 순으로 나타났다. 또한 가장 낮은 만족도를 보인 재무만족도의 경우 세부항목에서의 격차가 크게 나타났는데, 은퇴자들은 부채수준에 대해서는 상당히 높은 만족도를 보였으나 예상연금액수준이나 저축수준에 대해서는 보통 이하의 만족도를 보였다. 둘째, 은퇴자의 행복을 결정하는 요인을 확인한 결과 현재 본인이 충분한 은퇴생활자금을 가지고 있다고 생각하고 저축이나 투자를 꾸준히 하고 있으며 부동산 자산을 많이 소유하고 있고 가족에게 상속할 동기가 없으며 현재 소일거리 정도는 있고, 성별이 여자일 경우 은퇴 후 행복할 가능성이 높다. 또한 은퇴 전 일자리에서의 근속 연수가 짧을수록, 은퇴 전 일자리에 대한 만족도가 높을수록 은퇴자는 행복할 가능성이 높았으며 은퇴를 할 당시에 자발적인 은퇴를 하였고 은퇴를 하기 전에 은퇴 시점에 대해 고려해보았던 사람이 은퇴 후 행복한 삶을 누릴 가능성이 높았다. 본 연구에서는 다양한 특성들 중에서도 재무적인 영역이 은퇴자 행복의 30%를 설명하여 상당히 중요한 요인인 것으로 나타났다. 그러나 은퇴자의 주관적 행복의 나머지 70%는 재무적 특성 이외의 요인들이 설명하므로 단순히 재무적 특성만으로는 은퇴자의 행복을 결정지을 수 없다. 따라서 재무적 특성 외의 비재무적 특성이나 은퇴 특성, 은퇴전 일자리 특성과 같은 요인 역시 간과해서는 안 되며 연구 결과를 토대로 다양한 개인 적․사회적 노력이 필요할 것이다. In this article, we focused on retirees to identify their level of subjective well-being which is recent issue in consumer science. Also, we tried to find the factors affecting happy retired life including demographic factors, occupation factors, retirement factors, financial factors, and non-financial factors. This study can help pre-retirees prepare for happy retired life. The data was collected in 2012 for the study of retirement index. The total case of the data was 1,492. We extracted the case of retirees(218). For analysis, using the SPSS 18.0 program, descriptive analysis and hierarchical logistic-regression analysis were conducted. The results are summarized as follows: First, the level of retirees’ subjective well-being was slightly over the medium score. Also among the specific satisfactions, the level of dwelling satisfaction was the highest followed by relationship satisfaction, leisure life satisfaction, and living satisfaction. The level of financial satisfaction was the lowest. Among the financial satisfaction, the retirees relatively satisfied with the level of debt but did not satisfied with the level of pension expectation and saving. Second, retirees who were woman, thought having sufficient retirement funds, save steady, owned lots of real estate asset, did not have inheritance motive, and who had diversion, were more likely to enjoy happy life after retirement. Also, retirees who worked shorter period, satisfied with one"s job, were voluntarily retired, and had thought about retirement point before retirement were more likely to enjoy happy life after retirement. In this article, financial characteristics was very significant for happy life after retirement since they explained 30% of a happy life after retirement. However, financial characteristics were not the only determinant for retirees’ happiness because other characteristics explain remaining part of happy life after retirement. Therefore, we should not ignore nonfinancial characteristics and occupation characteristics when planning for retirement.

해외 주요국 재무ㆍ금융교육 현황 및 시사점: 미국, 영국 사례를 중심으로

한지형 ( Han Jihyung ),김경태 ( Kim Kyoung Tae ) 한국금융소비자학회 2024 금융소비자연구 Vol.14 No.2

본 연구는 미국과 영국을 중심으로 재무ㆍ금융교육의 현황을 고찰하고, 이를 바탕으로 우리나라의 재무ㆍ금융교육 발전과 실효성 제고를 위한 시사점을 제공하고자 하였다. 이를 위해 미국과 영국의 재무ㆍ금융교육 정책, 학교 내 청소년 대상의 재무ㆍ재무ㆍ금융교육 현황, 성인 대상의 재무ㆍ재무ㆍ금융교육 현황을 살펴보았다. 그 결과 미국과 영국에서는 2000년대부터 현재까지 금융역량의 중요성을 강조하며 국민의 금융역량 제고를 위한 국가 전략을 지속적으로 수립하고 시행해 왔음을 확인할 수 있었고, 재무ㆍ금융교육의 궁극적 목표인 재무웰빙에 대한 국가차원의 정의와 지속적인 조사·연구가 이루어짐을 확인할 수 있었다. 학교에서의 청소년 재무ㆍ금융교육에 있어서는 교육의 의무화가 이루어졌다는 공통점을 확인할 수 있었다. 다만, 미국은 주(states)별로 그 수준이 다르다는 점, 영국은 단일 교과목을 통한 교육이 이루어지지 않는다는 점등을 바탕으로 각국의 한계점도 파악할 수 있었다. 또한, 양국은 생애 전반을 아우를 수 있는 유기적인 교육을 제공하고자 노력하고 있었으며, 재무ㆍ금융교육 제공자를 양성하는 것도 중요함을 강조하고 있었고, 재무ㆍ금융교육과 재무상담의 조화로운 제공에도 큰 관심을 갖고 있었다. 이를 바탕으로 다음 5가지의 우리나라의 재무ㆍ금융교육에 대한 시사점 및 제언을 도출하였다. 첫째, 한국의 상황과 환경에 맞는 재무웰빙의 명확한 정의를 내리고, 이를 목표로 한 재무ㆍ금융교육 정책을 추진해야 한다. 둘째, 금융역량 조사의 확장 및 개편이 필요하다. 셋째, 재무ㆍ금융교육이 초등학교, 중학교, 고등학교의 의무교육부터 성인까지 생애 전체에 걸쳐 유기적으로 이루어질 수 있도록 제도적 확립과 내용체계의 개발이 필요하다. 넷째, 재무ㆍ금융교육과 함께 재무상담이 적절하게 제공될 필요가 있다. 다섯째, 재무ㆍ금융교육과 재무상담을 제공하는 전문인력의 양성 체계를 확립해야 한다. This study investigates the current state of financial education, focusing on the United States and the United Kingdom, and seeks to offer insights for enhancing the development and effectiveness of financial education in Korea. Specifically, we examined the financial education strategies in the U.S. and the U.K., the status of financial education for adolescents in schools, and the availability of financial education for adults. Since the 2000s, both the United States and the United Kingdom have consistently developed and implemented national strategies to improve financial literacy on a broad scale. These efforts underscore the importance placed on enhancing financial capabilities across their populations. Additionally, both nations have focused on defining and researching financial wellbeing, recognizing it as the ultimate goal of financial education. A commonality in youth financial education between the two countries is the mandate for financial education in schools. However, limitations were identified: in the United States, the level of financial education mandates varies significantly by state, and in the United Kingdom, financial education is not taught as a standalone subject. Furthermore, both countries are working to provide lifelong financial education, emphasizing the importance of training financial educators. They also place great emphasis on the integrated delivery of financial education and financial counseling services. From this analysis, we derived five key implications and recommendations. First, it is essential to clearly define financial wellbeing in a manner that aligns with Korea’s unique circumstances and environment and to promote financial education policies that targeting this goal. Second, there is a need to expand and refine research on financial capability. Third, it is important to establish a comprehensive framework and content system that enables financial education to be delivered consistently throughout an individual’s life―from compulsory education in elementary, middle, and high schools to adulthood. Fourth, financial counseling should be provided alongside financial education to ensure a more holistic approach. Fifth, it is crucial to develop a system for training professionals to deliver both financial education and counseling effectively.

자율주행차 상용화 및 글로벌 리딩을 위한 전략

한지형(Jihyung Han) 한국자동차공학회 2022 오토저널 Vol.44 No.11

자율적 보험구매의사결정과정 및 보험구매 결정요인 연구

조혜진 ( Cho Hyejin ),한지형 ( Han Jihyung ) 한국소비자학회 2020 소비자학연구 Vol.31 No.1

The purpose of this study was to help households’ risk management by addressing the autonomous insurance purchasing decision making process and determinants of autonomous insurance purchase decisions. To this end, a survey of 916 consumers with experience in purchasing insurance by the Korea Insurance Association of Insurance Contractors were analyzed. The analysis of data was conducted using the SPSS program for technical statistical analysis, cross analysis, t-test, and logistic regression. The main findings of this study are as follows. First, it was shown that autonomous insurance buyers were buying insurance through a more subjective decision-making process than nonprofit insurance buyers, and ultimately the subjective welfare level of consumers was also high. Therefore, rather than involuntary insurance purchases, consumers should be encouraged to understand the function of insurance and the need for risk management so that they can make purchases on their own needs. This requires consumers to understand the importance of risk management and the function of insurance, and education needs to identify that insurance products are essential in terms of household risk management and life stability. Second, insurance is more likely to determine self-regulating insurance purchases when families are married or held responsible, even though it is not only necessary under certain circumstances. Therefore, it will be necessary to shift consumers' perceptions so that they can clearly recognize the importance and necessity of insurance by emphasizing that insurance is always an essential commodity for risk management and preventative purposes. Third, differences in male and female propensity in autonomous insurance purchases indicated that different approaches were needed according to gender to help them buy insurance on their own. Specifically, women can have autonomous insurance management by clarifying the function of insurance and recognizing its necessity. On the other hand, men need to increase their awareness of the need for insurance while also increasing their trust and confidence in insurance. For example, a man may be able to help with autonomous risk management by allowing him to have a perception that he is well aware of insurance and trustworthy. Fourth, after looking at consumer behavior in each insurance purchase decision-making process, we found that there were some problems. first of all, alternative assessments of insurance products were not being carried out properly. It also showed that consumers did not understand exactly the products they purchased at the moment they purchased the insurance products. This could have an important impact on the difficulties or customer satisfaction of the post-purchase insurance claim process, and could lead to incomplete sales, so it is deemed necessary to have an institutional and technical device that enables consumers to purchase the product after a clear understanding of the product in the course of purchasing the insurance. Finally, for women or married people, the greater the recognition of the need, the more likely they are to know about insurance, the more likely they are to buy insurance on their own, and the more likely they are to buy insurance on their own. Therefore, based on gender characteristics, the conclusion was reached that a discriminatory approach was needed to purchase insurance products and manage the risks of households. In addition to the issue of incomplete sales in the financial market, financial consumers' sense of responsibility and ethics are being emphasized. Given the specificity of insurance products such as intangibility and universality, more consumers need to act on their own with autonomy in the process of deciding to purchase insurance. And this could soon lead to better well-being for consumers and households. In addition, the decision-making process for autonomous insurance purchases has significant meaning in both personal and social terms as it can help prevent various insurance consumer problems, including incomplete sales, and the importance of autonomy in risk management has been identified.