한국인의 시간 조망이 재무적 웰빙에 미치는 영향 = The Influence of Koreans Time Perspective on Financial Well-being

국문 초록 (Abstract)

본 연구는 우리나라 성인들을 대상으로 시간 조망이 재무적 웰빙에 미치는 영향을 분석한다. 그리고 밀레니얼 세대와 베이비붐 세대의 세대 차이가 그 영향을 어떻게 조절하는지를 살펴보았다. 연구 결과, 과거부정 성향의 사람들은 물질주의와 강박적 소비를 증가시켜 재무적 웰빙에 부정적 영향을 미쳤다. 미래지향 성향의 사람들은 강박적 소비를 적게 하고, 자금 관리에서도 책임감 있는 생활 방식을 갖고 있어 재무적 웰빙에 긍정적 영향을 미쳤다. 밀레니얼 세대와 베이비붐 세대의 세대 차이는 과거부정, 과거긍정, 현재운명, 현재쾌락, 미래지향의 8가지 경로에서 유의미하게 나타났다. 재무적 웰빙은 전반적인 웰빙과 강한 긍정 관계가 있으며, 전 세계 거의 모든 선진국에서도 가장 중요한 문제로 대두되고 있다. 본 연구에서는 건전한 지출과 자금관리가 시간 조망의 영향을 받고, 개인의 재무적 웰빙을 유지하는 데 중요한 요인임을 확인하였다. 이처럼 시간에 대한 개인차인 시간 조망은 웰빙, 의사 결정, 동기 부여, 성취를 포함한 다양한 결과에 영향을 미친다. 본 연구의 목표는 시간 조망이 건강한 소비자와 건강한 재무 프로필을 가진 소비자를 예측하는지 확인하는 것이다. 분석 방법은 인과관계 예측, 인지, 행동특성 분석, 다중그룹 분석 등을 위하여 이에 유용한 PLS 구조방정식의 R 패키지인 PLSpm을 사용하였다.

다국어 초록 (Multilingual Abstract)

This study analyzes the effect of time perspective on financial well-being for Korean adults. And we examined at how the generation gap between millennials and baby boomers regulates the impact. As a result of the study, past-negative tendencies had a negative impact on financial well-being by increasing materialism and compulsive consumption. Future-oriented tendencies people have a positive impact on financial well-being as they have less compulsive spending and have a responsible lifestyle in managing theirmoney. The generational difference betweenmillennials and baby boomerswas significant in the eight paths of past-negative, past-positive, present-fatalistic, present-hedonic, and future-oriented. Financial well-being has a strong positive relationship with overall well-being, and is emerging as the most important issue in almost all developed countries around the world. In this study, it was confirmed that sound expenditure and money management are affected by time outlook and are important factors inmaintaining individual financial well-being. As such, time perspective, which is an individual difference in time, affects a variety of outcomes includingwell-being, decision-making, motivation, and achievement. The goal of this study is to determine if the time perspective predicts healthy consumers and consumers with a healthy financial profile.

목차 (Table of Contents)

• Ⅰ. 서론 Ⅱ. 이론적 배경 Ⅲ. 연구방법 Ⅳ. 실증분석 Ⅴ. 결론

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