Journal of the Korea Society of Computer and Information (한국컴퓨터정보학회논문지)

Korean Society of Computer Information (한국컴퓨터정보학회)
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Relationship between financial management ability, financial self-efficacy, and financial management behavior of university students

  • Received : 2020.09.09
  • Accepted : 2020.09.23
  • Published : 2020.09.29
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Abstract

The purpose of this study was to suggest implications that the level of sound financial management ability of university students could be raised, starting with the awareness that not only college students but also all financial consumers need high levels of financial management ability, such as knowledge and attitudes toward financial management, as economic conditions are in trouble in the aftermath of the ongoing Corona19. A survey was conducted on college students to achieve the purpose of the study. In relation to the research model set in this study based on the survey, financial management ability and financial self-efficacy as the independent variable, and financial management behavior as the dependent variable were selected to analyze the structural relationship according to the study model. The analysis shows that financial management ability had an effect on financial self-efficacy and financial management behavior. Based on these results, theoretical and policy implications were presented. Finally, the limitations of this study and future research directions were suggested.

본 연구는 계속되는 코로나19의 여파로 경제적인 상황이 어려움에 처함에 따라 대학생뿐만 아니라 모든 금융소비자들의 재무관리에 대한 지식과 태도 등 높은 수준의 재무관리역량을 필요로 한다는 문제의식에서 출발하여, 대학생들의 건전한 재무관리역량 수준을 높여줄 수 있는 시사점을 제시하는데 연구의 목적을 두었다. 연구의 목적을 달성하기 위하여 대학생들을 대상으로 하여 설문조사를 실시하였다. 설문조사를 바탕으로 본 연구에서 설정한 연구모형과 관련하여 독립변수는 재무관리역량과 재무적 자기효능감을 종속변수는 재무관리행동을 선정하여 연구모형에 따른 구조적인 관계를 분석하였다. 분석결과 재무관리역량은 재무적 자기효능감과 재무관리행동에 영향을 미치는 것으로 나타났다. 이러한 결과를 기초로 하여 이론적 시사점과 정책적 시사점을 제시하였다. 마지막으로는 본 연구의 한계와 향후 연구방향을 제시하였다.

Keywords

References

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