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가계 재무위험 구성요소들의 관계분석

An Analysis of the Relationships Among Financial Risk Components


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.

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이 논문을 인용한 문헌 (3)

  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 


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