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가계 재무위험 구성요소들의 관계분석
An Analysis of the Relationships Among Financial Risk Components

정운영   (가톨릭대학교 소비자주거학 전공UU0000012  ); 김경자   (가톨릭대학교 소비자주거학 전공UU0000012  );
  • 초록

    The purpose of this study was to examine the structure of financial risk components of households. The financial risk of households was assumed to be composed of risk knowledge, risk attitude and risk management behavior. For this study, a questionnaire was developed and distributed to 700 households in Seoul and Kwangju, and there were 495 responses with usable data. The findings showed that income stability had a positive relationship with the level of risk knowledge and risk attitude. Income stability, household debt, age of the youngest child and risk knowledge were found to have direct effects on risky vs. non-risky asset ratio. Income stability, savings, age of the youngest child and risk knowledge also had significant effects on the number of risky assets owned by households. Risk knowledge was the most important determinant of risk management behavior.


  • 주제어

    재무위험구성요소 .   위험지식 .   위험 태도 .   위험 관리행동.  

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  • 이 논문을 인용한 문헌 (5)

    1. Cho, Young-Suk ; Lee, Yang-Hee 2007. "The Development and Validation of the Parenting Self-Efficacy Scale for Mothers of Preschool Children" 대한가정학회지 = Journal of the Korean Home Economics Association, 45(4): 97~112     
    2. Jeong, Seo-Leen ; Jang, Yoon-Ok 2007. "The Differences in Wives' Financial Management Behavior according to Variables Related Employment and Income, and Perceived Economic Instability" 대한가정학회지 = Journal of the Korean Home Economics Association, 45(10): 59~71     
    3. Jang, Yoon-Ok ; Jeong, Seo-Leen 2009. "The Influences of Economic Stress and Coping Behavior on the Financial Management Behavior of Housewives" 한국가정관리학회지 = Journal of Korean Home Management Association, 27(3): 129~143     
    4. Lee, Chanhee ; Chun, Heuiju 2016. "An analysis of determinants of individual's pension purchase using structural equation model" Journal of the Korean Data & Information Science Society = 한국데이터정보과학회지, 27(2): 437~449     
    5. Lee, Chanhee ; Jung, Hongjoo 2016. "An analysis of determinants of purchase intension of individual pension using structural equation model" 응용통계연구 = The Korean journal of applied statistics, 29(3): 409~424     

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    2. 2000 "라이덴 방식에 의한 주관적 생계비와 그영향요인" 한국가정관리학회지 = Journal of Korean Home Management Association 18 (1): 43~52    
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    5. 2001 "인터넷 재무상담 프로그램의 내용과 양식 개발에 관한 연구" 한국가정관리학회지 = Journal of Korean Home Management Association 19 (6): 207~220    
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    9. 2003 "가계특성에 따른 재무위험 인지와 보험료 지출" 한국가정관리학회지 = Journal of Korean Home Management Association 21 (6): 43~51    
    10. 2005 "인터넷 보험에 대한 소비자태도와 수용성향 연구" 한국가정관리학회지 = Journal of Korean Home Management Association 23 (6): 133~144    

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