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소비자의 안전 인식, 사전 제품안전관리 불만이 사후 제품안전관리강화 요구에 미치는 영향
허경옥(Huh, Kyungok),윤각(Yoon, Gak) 표준인증안전학회 2020 표준인증안전학회지 Vol.10 No.4
본 연구는 제품인증마크에 대한 인식, 안전정보 불만, 제품안전 불신이 사전 제품안전관리불만, 사후안전관리강화에 미치는 영향력을 공변량구조분석을 사용하여 검증하였다. 본 연구의 주요 분석결과는 다음처럼 요약할 수있다. 첫째, 제품안전정보에 대한 소비자불만, 제품안전에 대한 소비자불신이 사전 제품안전관리불만에 정적 영향을미치는 것으로 나타났다. 이 결과는 제품안전정보에 불만이 많고, 제품안전에 대한 소비자불신이 높은 소비자일수록 제품사전안전관리에 대한 불만 수준이 높음을 알 수 있다. 둘째, 매개변수인 사전 제품안전관리 불만은 소비자의 사후안전관리강화 요구에 정적 영향을 미치는 것으로 나타났다. 사전안전관리에 대한 불만이 높은 소비자일수록 사후안전관리강화 요구가 높다고 할 수 있다. 본 연구결과를 토대로 몇 가지 제안하였는데, 첫째, 소비자들의 전에 대한 인식, 소비자들의 안전관리정책에대한 수요를 반영하는 안전관리정책으로 전환되어야 한다. 둘째, 사후 제품안전관리 강화를 적극 도입할 필요가있다. 셋째, 사후안전관리의 수단인 집단소송법, 징벌적 손해배상제도 등의 도입을 적극 검토하고 불법행위에 대한 사업자의 손해배상책임을 엄격히 부과시켜 사업자의 불법행위 및 제품안전사고를 예방해야 한다. 넷째, 제품안전사고에 대한 집단피해구제 인정, 제품결함 등의 입증책임 등에서 소비자 관점이 반영되어야 한다. 다섯째, 소비제품의 사전 안전관리를 철저히 하기 위해 전문적 관리체계 구축, 위해성에 대한 과학적 분석 및 위해정보체계 구축이 시급하다. 끝으로 소비자의 안전의식 고취로 제품으로 인한 대형 안전사고 예방이 중요하다. This study verified the effects of recognition of product certification marks, complaints about safety information, and distrust of product safety on pre-product safety management complaints and reinforcement of post safety management using covariate structure analysis. The main analysis results of this study are as follows. First, it was found that consumer complaints about product safety information and consumer distrust about product safety had a positive effect on prior product safety management complaints. This result shows that the more dissatisfied with product safety information and the higher consumer distrust of product safety, the higher the level of dissatisfaction with product safety management. Second, it was found that the pre-product safety management complaint, a parameter, had a positive effect on the consumer s demand for reinforcement of post safety management. It can be said that the more dissatisfied with the pre-safety management, the higher the demand for reinforcement of post-safety management. Based on the results of this study, several proposals were made. First, it should be converted into a safety management policy that reflects the consumer s perception of the war and the consumer s demand for safety management policy. Second, it is necessary to actively introduce reinforcement of post product safety management. Third, it is necessary to actively review the introduction of the collective action law and punitive damage compensation system, which are means of post-safety management, and strictly impose liability for damages of the business operator for illegal activities to prevent illegal acts and product safety accidents. Fourth, consumer s perspective should be reflected in the recognition of collective damage relief for product safety accidents and the responsibility to prove product defects. Fifth, it is urgent to establish a professional management system, a scientific analysis of risk, and a risk information system to thoroughly manage the safety in advance of consumer products. Finally, it is important to prevent large-scale safety accidents caused by products by raising consumer safety awareness.
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연령에 따른 소비자 집단별 소비자의식 및 정보탐색 , 활용과 소비행동 분석
허경옥(Kyung Ok Huh) 한국소비자학회 2001 소비자학연구 Vol.12 No.4
The purposes of this study were as follows: 1) to investigate the differences of the level of consumer consciousness, the amount of search and usage of consumer information, and consumer behavior among middle-school and high-school students, university students, and adults; 2) to determine which factors influence the level of consumer consciousness, the amount of search and usage of consumer information, and consumer behavior among those groups, and 3) to investigate the relationship between the level of consumer consciousness, the amount of search and usage of consumer information, and consumer behavior. Several results were found in this study. Above all, the level of consumer consciousness among middle-school students was the lowest. Even though the level of consciousness for consumer right among high-school students was high, the level of consumer ethics and evaluation on the relationship between price and quality was low. The level for critical consciousness about advertisement of adults was the highest in comparison with those of other groups. Second, this study showed that adults were more rational than middle-school and high-school students. The amount of consumer information sought by adults was showed relatively larger than those of others. However, adults were more likely to show some conspicuous consumption behaviors. On the other hand, middle-school and high-school students tended to be impulsive and imitative in purchasing decision. Third, education, the consciousness for materialism, and consumer education were significant variables in explaining the level of consumer consciousness. While age and consumer education influence whether consumers are rational in consumption behavior, the propensity of being irrational in comsumption behavior was affected by the level of living, the amount of search for consumer information, the level of consciousness for materialism, and self-confidence. Fourth, there were significant relationship between the level of consumer consciousness, the amount of search and usage of consumer information, and consumer behavior. The higher consumer consciousness is, the more rational consumers are among all groups.
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보험에 대한 소비자태도 및 지식과 보험구매단계별 소비자만족도 영향요인 분석
허경옥(Kyungok Huh),박상미(Sangmi Park),박귀영(Guiyoung Park) 한국FP학회 2012 Financial Planning Review Vol.5 No.3
본 연구에서는 최근 대표성 있는 자료를 사용하여 보험에 대한 소비자태도 및 지식 그리고 보험상품 구매단계별 소비자만족도에 대해 조사하고 이에 영향을 미치는 요인을 조사하였다. 본 연구결과를 정리ㆍ종합하면 다음과 같다. 첫째, 소비자의 보험에 대한 태도는 중간 정도이며, 소비자는 불완전판매와 청약철회권에 대해서는 잘 알고 있으나, 보험상품의 지급범위, 보험 관련 법률 등에 대해서는 잘 알지 못하고 있었다. 둘째, 연령이 낮을수록, 가계소득수준이 높을수록, 보유한 보험의 수가 많을수록 보험에 대한 태도가 긍정적인 것으로 나타났다. 남성, 비전문직 종사자, 대졸자, 보험을 많이 보유하고 있는 소비자들의 보험에 대한 지식수준이 높은 것으로 밝혀졌다. 셋째, 대체로 보험에 대한 태도가 긍정적일수록 보험에 대한 만족도가 높았다. 보험에 대한 지식수준이 높을 수록 보험상품 정보탐색이나 정보서비스 만족도, 구매시점의 보험상품 주요 특성에 대한 설명, 구매후 만족도에는 부정적이었으나, 보험구매후 보험유지에는 긍정적 영향을 미치는 것으로 나타났다. 한편, 보험설계사를 통해 보험상품을 구매 할 경우 구매후 보험유지에는 긍정적 영향을 미치나 구매단계에서 주요 보험내용에 대한 설명, 구매후 보상이나 분쟁 등에서 다른 보험가입채널로 구매한 경우보다 만족도가 낮았다. In this research, using recent representative materials, we researched customers" attitude and knowledge regarding insurance, and customers" satisfaction for each buying level, and studied affecting elements for them. The analysis and results of this study are as follows. First, the attitude of customers for insurance is in the middle, and customers know about imperfect selling and withdrawal rights of offer, but they do not know about payment ranges of insurance products, insurance laws, etc. Second, while age is lower, and the level of household income is higher and the number of insurance held is more, people’s attitudes are more positive. Customers who are men, non-professionals, who have graduated university and have lots of insurance have a higher knowledge level about insurance according to the research. Third, generally as attitudes about insurance is more positive, the satisfaction is higher. As the knowledge level about insurance is higher, customers were negative at information of insurance products, selling explanations and after purchase satisfaction. On the contrary, for insurance maintaining after insurance purchases, they were positive. Meanwhile, in the case of customers who buy insurance products from insurance sales people, after purchase maintaining was affected positively, but customers had lower satisfaction in the explanation about major contents when they buy, and compensation or conflict after purchase rather than when buying from other insurance joining channels.
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