논문편 : 도시빈곤가계의 소비박탈유형에 따른 소비박탈수준의 비교 : 인천시를 중심으로

윤정혜,이기춘 ( Jung Hai Yoon,Kee Choon Rhee ) 대한가정학회 1997 Human Ecology Research(HER) Vol.35 No.2

도시빈곤가계의 상대적 박탈 - 소비를 중심으로 -

윤정혜,이기춘 ( Jung Hai Yoon,Kee Choon Rhee ) 대한가정학회 1994 Human Ecology Research(HER) Vol.32 No.3

소비자재무설계 , 상담 , 교육 프로그램 개발을 위한 연구 방향

윤정혜(Jung Hai Yoon),김경자(Kyung Ja Kim),성영애(Young Ae Sung),양세정(Se Jeong Yang),손상희(Sang Hee Sohn),이희숙(Hee Sook Lee),최현자(Hyun Cha Choe) 한국소비자학회 2001 소비자학연구 Vol.12 No.3

With increasing needs for personal finance services, it has been an important issue to develop the programs for personal finance planning, counseling, and education for both consumers and educators. The purpose of this study was to give the research directions of personal finance planning, counseling, and education for developing practical program. The programs should be developed based on researches of financial characteristics of Korean households. The programs for personal finance planning may be developed in the fields of estimation of time value of money, evaluation of liquid assets, and tax simulation etc. The contents and types of program should be different according to consumers` characteristics. The programs of personal finance counseling may be developed in detailed fields such as debt management, budgeting, and financial strategy to overcome serious financial problems. Counseling procedures, counseling management, and more effective ways for practising counseling programs were discussed. The personal finance education program should focus on not only economic point of view, but how to use money for our neighborhood or society. Further, it is necessary to have a series of personal finance education programs according to consumer`s life cycle in the long run. Today`s most commercial organizations are attempting to obtain a competitive advantage through a variety of the Web services. The impacts of corporation image based on this web environment have become increasingly significant for the business success and thus, establishing the corporation images are emerging as an important strategic issue. Therefore, this paper makes an experiment for analyzing the effects of web services quality on the corporation images. The research model includes three influential variables: the Web service quality, the communication strategy, and suffers` characteristic. Through the experiment, the variables are proved to be significant statistically in impacting on the corporation image. It is expected that the results will be employed effectively in developing Web marketing strategies.

외환위기 이후 가구주의 종사상지위 변화유형이 가계소득증감여부에 미치는 영향

윤정혜 ( Jung Hai Yoon ),송현주 ( Hyun Ju Song ) 대한가정학회 2009 Human Ecology Research(HER) Vol.47 No.10

한ㆍ일ㆍ미가계의 소비구조 비교를 통한 한국가계의 소비표준 설정 방향

尹貞惠(Jung-hai Yoon),成英愛(Young-Ae Sung) 가정과삶의질학회 1998 가정과삶의질연구 Vol.16 No.3

패널자료 분석을 이용한 중,고령자 단독가계의 의료비지출 영향 요인

윤정혜 ( Jung Hai Yoon ),김시월 ( Si Wuel Kim ),장윤희 ( Yun Hee Chang ),조향숙 ( Hyang Sook Cho ),송현주 ( Hyun Ju Song ) 한국소비자학회 2010 소비자학연구 Vol.21 No.4

이 연구는 국민노후보장패널조사(KReIS)의 l-3차년 자료를 이용하여, 중·고령자 단독가계의 의료비지출규모와 의료비지출비중 추이에 가구주의 소득, 건강상태 및 기타 인구사회학적 특성의 변화가 미치는 영향을 분석하였다. 1차년도 (2005년) 조사 당시 50세 이상 단독가계의 가구주로서 2차년도(2007년), 3차년도(2009년) 조사에도 결측값 없이 응답한 중·고령자 단독가구주 683명 1.794건의 패널자료가 분석에 사용되었다. 의료비지출의 선형회귀모형을 OLS, 개인고정효과 및 개인랜덤효과 모형으로 분석한 결과는 다음과 같다. 첫째, 의료비 소비는 정상재이며 필수재의 성격을 보인다. 둘째, 증·고령자 단독가계의 의료비지출규모는 질환이나 장애가 있을 경우, 연령이 높을수록 증가하였으며, 이것은 건강상태가 의료비지출에 주요한 영향요인임을 알 수 있다. 셋째, 조사시점이 최근으로 올수록 의료비지출규모가 감소하였는데, 이는 2008난 7월에 시행된 노인장기요양보험과 2008년 경제위기로 인한 소비지출의 위축이 원인이 되었을 것으로 보인다. 넷째, 교육수준이 높을 경우 의료비지출비중이 낮은 것으로 보아 교육을 통한 인적자본이 의료비지출의 중요한 영향요인임을 알 수 있다. 다섯째, 여성은 남성에 비해 전반적으로 의료비지출규모가 크며, 남성은 의료비지출의 소득탄력성이 여성에 비해 훨씬 높을 뿐 아니라 질환이나 연령에 따른 효과도 여성에 비해 더 뚜렷했다. 여섯째, 자산, 부채, 취업 등의 경제적 지위도 의료비지출과 유의한 관련을 보이나 이것은 인과관계라기보다는 내생성으로 인한 상관관계인 것으로 보인다. 이러한 연구결과는 저소득층 중·고령자 단독가계 가구주를 위한 질병 예방, 치료 및 의료비 지출절감정책, 질환이 있는 중·고령자 단독가계 가구주를 위한 치료 및 의료비 지출절감정책, 예비노인기부터 건강관리 및 질병예방 지원정책, 저교육 수준의 중·고령자 단독가계 가구주를 위한 청·장년기부터의 건강관리와 질병예방교육 프로그램, 여성가구주 전체와 특히 저소득층 남성가구주를 위한 의료비지출절감정책이 필요함을 시사한다. Korea is approaching an aged society faster than most OECD countries. By 2014, the 65 and older population will account for 14 percent of the population. In 2005, every fifth Korean household was a single-person household mainly due to the elderly living alone. The elderly are facing many problems today, but healthcare and economic hardship are their utmost concern. This study uses the 2005, 2007 and 2009 surveys of the Korean Retirement and Income Study (KReIS) to explore how income, health status, and socio-demographic characteristics determine health care expenditures among older Koreans in single-person households. This study is different from previous studies in several aspects: first, it takes advantage of panel data analysis: second, the sample includes the near elderly, which age group is identified as significant consumers of health care: and third, it adds to the literature by contrasting men against women as health care consumers. The sample consisted of 1.794 observations from 683 single householders aged 50 years or older in 2005. Both the size and share of health care expenditures, the latter of which was defined as a fraction of total consumption expenditures, were regressed on income, health status, and other socio-demographic characteristics of the household. The socio-demographic variables were selected based on the literature and included age, gender, cohort, education, area of residence, assets, debts, home ownership, employment status, health insurance coverage, and receipt of other social insurance and welfare benefits. Regression coefficients were obtained through Ordinary Least Squares (OLS), individual fixed effects, and random effects models. The main findings can be summarized as the following: First, in all models income is positively associated with health care expenditures, with the fixed-effect income elasticity at 0.14, suggesting that health care consumption is a normal good and necessary. Second, having disease or disability is positively associated with both the size and the share of health care expenditures. In addition, after controlling for the survey year and birth cohort, older age is positively associated with the size of health care expenditure. This suggests that health status is a significant predictor of health care expenditures. Third, the size of health care expenditures has decreased over the 2005-2009 period. It can be inferred that macroeconomic and institutional factors like nationwide expansion of long-term care insurance in 2008, and economic recession during the late 2000`s played a role in reducing health care expenditures by the elderly. Fourth, education is negatively associated with the share of health care expenditures as a fraction of total consumption expenditures of the household. This appears to suggest that human capital plays a role in reducing the need for health care expenditure at an older age. Fifth, when income, health status, and other socio-demographic characteristics were controlled, women spend significantly more on health care than men. This gender difference is robust in both dependent variables-the size as well as the share of health care expenditures. Income elasticity of health care expenditures is also much greater for men than for women. Furthermore, health care expenditures by men vary more markedly by age and health status compared to those by women. Sixth, economic status such as assets, debt, and employment status are also significant, most likely due to endogeneity arising from inherent healthiness. Findings from this study offer several policy implications. First, it is suggests that the health care policy for the older single-person households target low-income households in all phases of prevention, treatment, and cost reduction. Second, such policy should particularly focus on the older single-person households who have disease or disability. Third, it is important to provide support for disease prevention before the individuals reach old age and develop educational programs on health management and disease prevention for the middle-age population. Fourth, this study suggests that policies that aim to reduce health care costs should be genderspecific. Such policies should be directed at older women in general and older men especially in low-income households.

제2부 / 서비스경쟁력과 소비자 분과별 발표 / 제3분과 : 서비스 만족 불만족 : 서비스 거래에서의 소비자피해 실태와 바람직한 피해구제방안의 모색

윤정혜(Jung Hai Yoon),여정성(Jung Sung Yeo) 한국소비자학회 1996 서비스 경쟁력과 소비자 Vol.- No.-

대학생의 정보만족도가 휴대폰 소액결제 이용과 피해경험에 미치는 영향

윤정혜(Yoon Jung hai),조향숙(Cho Hyang sook),이정화(Lee Jeong hwa) 한국소비문화학회 2014 소비문화연구 Vol.17 No.4

이 연구는 점차 확대되고 있는 휴대폰 소액결제 시장에서 대학생소비자의 합리적인 이용과 피해예방 방안을 모색하기 위해서, 휴대폰 소액결제 단계별 정보만족도가 휴대폰 소액결제 이용과 피해경험에 미치는 영향, 휴대폰 소액결제 차단ㆍ한도 인지여부의 조절효과를 살펴보았다. 주요 분석 결과는 다음과 같다. 첫째, 대학생소비자의 휴대폰 소액결제 단계별 정보만족도의 척도를 구성하기 위하여 경기도 소비자정보센터에 접수된 피해 사례와 휴대폰 소액결제관련 선행연구를 고찰하여 기초문항을 개발한 후, 실증 조사를 통하여 단일차원성 검증, 신뢰도 검증, 타당도 검증, 적합도 검증을 실시하여 휴대폰 소액결제 단계별 정보만족도척도를 구성하였다. 둘째, 대학생소비자의 휴대폰 소액결제 단계별 정보만족도가 휴대폰 소액결제 이용수준과 피해경험수준에 미치는 영향을 알아보기 위하여 실시한 구조방정식 모형분석에 의하면, 결제 전 정보만족도는 피해경험수준에 부적인 영향을 보였고, 이용수준은 피해경험수준에 정적인 영향을 미치는 것으로 나타났다. 셋째, 대학생소비자의 휴대폰 소액결제 단계별 정보만족도가 휴대폰 소액결제 이용수준과 피해경험수준에 미치는 영향에서 휴대폰 소액결제 차단ㆍ한도 인지여부의 조절효과를 알아보기 위하여 측정동일성 분석과 다중집단 구조방정식 모형분석을 실시하였다. 측정동일성 분석결과는 휴대폰 소액결제 차단ㆍ한도 인지 집단과 비인지 집단이 측정도구를 동일하게 인식하고 있는 것으로 나타나 측정동일성이 적정한 것으로 나타났다. 휴대폰 소액결제 차단ㆍ한도 인지여부의 조절효과를 알아보기 위하여 실시한 다중집단 구조방정식 모형분석 결과에 의하면, 차단ㆍ한도 인지 대학생소비자는 결제 전 정보만족도가 휴대폰 소액결제 이용수준에 유의한 영향을 미치지 않았으나, 차단ㆍ한도 비인지 대학생소비자는 결제 전 정보만족도가 휴대폰 소액결제 이용수준에 정적인 영향을 보이는 것으로 나타났다. 또한, 휴대폰 소액결제 차단ㆍ한도 인지 대학생소비자는 결제 시 정보만족도가 휴대폰 소액결제 이용수준에 정적인 영향을 보였으나 차단ㆍ한도 비인지 대학생소비자는 결제 시 정보만족도가 휴대폰 소액결제 이용수준에 부적인 영향을 보이는 것으로 나타났다. 이러한 연구결과는 소비자의 휴대폰 소액결제 이용과 피해예방에 있어 정보의 중요도가 소비자의 정보 취득 시기에 따라 차이를 보여, 소비자 구매의사결정과정의 각 시기에 적합한 정보 제공을 위한 소비자보호방안을 모색해야 함을 함의한다. This study tries to find out how College-student-consumers can reasonably use increasingly bigger small-scale transactions by cell phone and how they can be prevented from damage caused by the transactions, assessing how information satisfaction influences small-scale transaction by cell phone and damage and whether College-students are aware of blocking and limit of small-scale transaction by cell phone. The main results are as follows: First, the damages reported to Gyeonggido Consumer Information Center and relevant studies were examined and basic questions were developed to define the scale of College-student-consumer information satisfaction with small-scale transaction by cell phone. Unidimensionality, reliability, validity and fitness were verified by substantive research to define the scale of information satisfaction. Second, Structural Equation Modeling was analyzed to find out how College-student-consumer information satisfaction influenced small-scale transaction by cell phone and its damage. Information satisfaction before transaction showed negative influence on the level of damage experience and small-scale transaction level showed positive influence on the level of damage experience. Third, measurement equivalence and multiple group structural equation modeling were analyzed to investigate the moderator effect of awareness of blocking and limit of small-scale transaction by cell phone. As shown by the results of measurement equivalence analysis, the awareness group and the non-awareness group were identically aware of measurement instrument, thus measurement equivalence was considered adequate. Multiple group structural equation modeling was analyzed to investigate the moderator effect of awareness of blocking and limit of small- scale transaction by cell phone. Information satisfaction before transaction has no statistically significant influence on the College-student-consumers aware of blocking and limit in contrast to the College-student-consumer unaware of it. In addition, information satisfaction has a positive influence on small-scale transaction level in the case of the awareness group in contrast to the non-awareness group. The results of this study suggest that information impotance is conditioned by the time of information acquisition with regard to small-scale transaction by cell phone and damage prevention and it is necessary to seek measures to protect small-scale transaction users by supplying adequate information in each phase of purchase decision-making process.

지속가능한 소비생활 확산을 위한 방안 고찰

윤정혜(Yoon Jung-Hai),이희숙(Lee Hee-Sook) 한국지역사회생활과학회 2001 한국지역사회생활과학회지 Vol.12 No.2

논문편 : 도시 저소득층소비자의 구매장소범위와 정보탐색행동

이은재,윤정혜 ( Eun Jae Lee,Jung Hai Yoon ) 대한가정학회 1989 Family and Environment Research Vol.27 No.4