객관적ㆍ주관적 금융 이해력이 자금 관리에 대한 자기 평가에 미치는 영향 = The Effect of Objective and Subjective Financial Literacy on Self-assessed Budgeting Behavior

다국어 초록 (Multilingual Abstract)

This study aims to analyze the effect of objective and subjective self-reported assessment of financial literacy on self-reported budgeting behavior of Korean university students. The result finds that objective financial literacy and subjective self-assessed one are significantly correlated but the positive coefficient is small. A multi-variate analysis shows that students who report themselves to be more literate financially tend to think they manage better their budget, which is a different result from previous studies. Objective financial literacy are not significantly related to self-reported budgeting behavior not only directly but also indirectly through subjective financial literacy. The university students, who are senior, have more financial talks with their family members, or have experience of equity investment, tend to report themselves to be more literate financially.

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