대학생의 재무경험과 재무관리행동에 따른 금융이해력

다국어 초록 (Multilingual Abstract)

The purpose of this study was to measure the financial quotient according to financial experience and financial management behavior of Chungbuk National University students in Korea. Financial quotient was defined as an ability to understand, manage and communicate personal finance matters. Financial quotient was measured using the questionnaire used at Financial Supervisory Service(FSS) for university students in 2010. The results of this study were as follows;
First, most of the respondents spent an allowance of less than 300,000 won per month and were received the allowance from their parents. Also, 77.5 percent of the respondents were identified how much was gave allowance and spent. 73.6 percent of the respondents were tried to spent as planned before. Second, Chungbuk National University Students’ financial quotient score was 66.6 points. That score was 5.8 points higher than university students’ score(60.8 points) announced at FSS in 2010. The score of ‘understanding to income’ averaged 71.9 points, the areas of ‘understanding to savings and investment’ averaged 64.6, and ‘understanding to expenditure and credit’ score was 66.3. Third, financial quotient of Chungbuk National University students were statistically differences depending on the school year, major, and way to give pocket money. Also, financial quotient of the respondents were statistically differences depending on whether savings account has, whether mutual fund invest, and whether check card use. Forth, financial quotient were statistically differences depending on whether nest egg has, whether expenditure exceed income or not, and whether borrowing experience.