재무적 자기효능감이 돈에 대한 태도 및 연금저축 가입의도에 미치는 영향에 관한 연구 = Money Attitude: Its Relationships with Financial Self-efficacy and Adoption Intention of Pension Savings

국문 초록 (Abstract)

본 연구는 재무적 자기효능감이 돈에 대한 태도 및 연금저축의 가입의도에 미치는 영향을 분석하여, 금융소비자의 소비자 행동을 파악하고, 금융상품 전략에 활용함을 목적으로 한다. 이론적 검토를 통하여 연구가설 및 연구모형을 설정하고, 2013년 9월~ 2013년 12월 서울 및 수도권에 거주하는 20세부터 60세 이하의 563명의 일반 금융소비자를 대상으로 설문조사가 실시되었다. 수집된 데이터는 SPSS 18.0과 AMOS 18.0을 이용하여, 빈도분석, 신뢰도 및 타당성 분석, 상관관계분석이 실시되었으며, 연구가설의 검정을 위하여 구조방정식모형(SEM)이 이용되었다.
분석 및 연구 결과를 보면 재무적 자기효능감은 돈에 대한 태도 중 파워-명성 차원, 불신 차원, 근심 차원 등에 유의적인 영향을 미치며, 가입의도에도 유의적 영향을 미치는 것으로 나타났다. 그리고 돈에 대한 태도 중 파워-명성 및 유지-시간 차원이 연금가입의도에 유의적 영향을 미치는 것으로 나타났다. 실무적 시사점은 다음과 같다. 첫째, 재무마케터들은 금융고객과 접촉하는 고객접점에서 서비스를 제공하는 직원들이 고객에게 성취경험, 대리경험, 언어적 설득 등을 통하여 자기효능감을 높여야 하며, 이로 인하여 돈에 대한 태도를 긍정적으로 변화시켜, 연금저축 가입의도를 높이도록 하여야 한다. 둘째, 재무적 마케팅전략은 돈에 대한 태도를 근거로 이루어져야 한다.

다국어 초록 (Multilingual Abstract)

The purpose of this study, financial self-efficacy is to analyze the effect on the attitude and pension savings for the money. Also, it is to use the financial strategy by understanding of the consumer behavior of financial consumer. We have set the research hypothesis and research model by theoretical study. Questionnaire, intended for Seoul and general financial consumer ofmore than 20 years old 60 years old or less of 563 peoplewho are living in the Seoul metropolitan area, was carried out during the period of September to December 2013. Using the SPSS18.0 and AMOS18.0, frequency analysis, reliability analysis, analysis of validity, and correlation analysis were performed. In addition, structural equation model (SEM) was used for the test of the study hypothesis.
Fromthe results of research, financial self-efficacy has significant effects on the attitude towards money among the power-reputation dimension, distrust dimension, and worry dimension, etc. Also, significant effect was found on the registration. And power-reputation and retention-time of money in the attitude have significant effects on the intention to be a pensioner.
Practical suggestions are as follows. First, finance, marketing personnel, staff to provide the service in customer contact in contact with financial customers, achieved in customer experience, agency experience, it must increase the self-efficacy such as through verbal persuasion. As a result, positively changes the attitude towards money, we must increase the intention of registration of pension savings. Secondly, financial marketing strategy is performed based on the attitude towardsmoney.

목차 (Table of Contents)

• I. 서 론
• II. 이론적 배경 및 가설설정
• III. 연구 설계
• IV. 실증 분석
• V. 결 론

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