금융개방화 시대를 대비한 한국경제교육의 바람직한 방향 : 금융교육 중심으로 = Right direction of Korean economy education for opening of market : Mainly about financial education

다국어 초록 (Multilingual Abstract)

Today, financial market has brought many changes through opening the country to foreign intercourse. These changes have had a remarkable impact on the role of the government, the domestic economy and the money market. Owing to reduction of the government's function and restriction, the money market has decided on their intention to some degree. Actually the government turned a ruler of the business market into a supervisor serving mainly as a preventer market-failure and management of crisis. Also as macro-economics became more unstable, it experienced the alignment with the world economy which foreign economic change influenced the country and the rise of the market -fluctuations. Financial business has provided its consumer with a high-quality of service because of introduction of the advanced financial technology and plenty of competition, and credit-dealing has settled thanks to advanced credit-assessment associations and the reconsideration of domestic organizations' estimate-abilities.
On the other hand, as the time has arrived when the number of the incredible people almost reaches 4 million, the social chaos gets worse, and it leads to a wide gap between the haves and the have-nots, a drop of saving rate, weakening of growth-basis and insolvent financial organizations.
In addition, the necessity of management of assets to life-planing and the fact that our society is entering into aging one make the financial education very important.
With these facts for the background, I investigated the realities of the financial education in school, measured the level of students' understanding about it and compared and analyzed the contents of it the teachers who majored in social studies think important.
As a result of the measurement of student's understanding about finance, the average point of students in academic high schools in Daegu is very low as 45.02. This point is lower than 45.16 in Seoul and Gyeong-gi province, 57.3 in 1997 and 51.9 in 2000 in the U.S in the similar tests. Boys' average score as 48.0 is higher than girls' one as 41.73. This situation is contrast to a shade of difference between the males' mark as 52.2 and the females' one as 51.6 in America.
On the other side, social studies teachers answered that all the financial instructions are necessary except for the one about stocks in the research. In particular, they responded the questions concerning saving and investment, investment and speculation, a conception of credit, negative and positive sides of it, ways of dealing with the situation when lost credit cards with somewhat high average point is as above 4.5 in a full point as 5.0.
In the measurement of the financial understanding, students' a correct solution rate is low while teachers regard the financial education very important. Thus, the financial education in school is vital according to the social change related with financial market, management of assets for old ages, the replies of teachers and students in this survey.
Especially, it is required that teachers should give students a more realistic and practicable education involving currency, income, credit, speculation and investment, financial products, and understanding of financial systems connecting the financial organization under the government-control with school class.
A organized financial education can increase adolescents' comprehension about finance and induce the sound management of credit. In addition, it can develop a ability that can cope with the negative situations which caused by the opening of market. reasonably and positively.
Thus, on the level of the nation, it has to receive the careful study in order to find more active device, and through not a way conveying the will and ideas of these governing to those who are governed but a link with social various infla and school.
These educations can broaden students' who will be in charge of the future a new vision, make them have a positive recognition, and improve the basic knowledge and capability. Eventually, It can establish the new foundation of Korean Finance and make it international all over the world.

목차 (Table of Contents)

• 목차
• Ⅰ. 서론 = 2
• 1. 금융개방화의 영향 = 2
• 2. 금융교육의 필요성 = 3
• 3. 연구의 범위와 방법 = 5
• 4. 연구의 한계 = 6
• Ⅱ. 학교현장에서의 금융교육 현황 = 7
• 1. 이론교육 중심의 경제교육과정 = 7
• 2. 대학입시 위주의 교육 현실 = 10
• 3. 교사의 연수, 학습자료의 부족 = 10
• Ⅲ. 외국의 금융교육 실태 = 12
• 1. 미국의 금융교육 방향 = 12
• 2. 영국의 금융교육 방향 = 15
• Ⅳ. 금융이해력과 금융교육 방향에 대한 실증 분석 = 19
• 1. 고등학생들의 금융이해력 측정 = 19
• 2. 사회과 교사들이 생각하는 금융교육의 내용 = 62
• 3. 학생용 설문과 교사용 설문의 연관성 = 77
• Ⅴ. 결론 = 87
• 1. 바람직한 금융교육의 내용 = 88
• 2. 금융이해력 증진을 위한 금융교육의 방향 = 91
• 참고문헌 = 94
• abstract = 95
• 부록 = 98