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NTIS 바로가기한국생활과학회지 = Korean journal of human ecology, v.22 no.1, 2013년, pp.117 - 129
김정현 (서울대학교 생활과학연구소) , 박주영 (충남대학교 소비자생활정보학과)
The purpose of this study is to examine the factors affecting on CRPI (capability of retirement planning and implementing) and to identify the critical point of financial factors to increase CRPI. 908 Korean individuals' data were used for descriptive statistics, t-test, F-test, and Generalized Line...
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핵심어 | 질문 | 논문에서 추출한 답변 |
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은퇴설계란 무엇인가요? | 은퇴설계란 은퇴라는 사건의 발생과 그것이 미치는 영향에 대해 미리 예측하고, 가능한 모든 자원과 정보를 동원하여 그것에 합리적으로 대비하는 과정이다. 다시 말해, 가계가 보유하고 있는 다양한 자원을 효율적으로 관리하여 은퇴생활의 복지 실현을 위한 재무적/비재무적 목표를 실현하는 과정이며, 생애주기 전체에 걸쳐 이루어져야 하는 장기적인 과업이다(Cha et al. | |
우리나라 소비자의 은퇴설계실행능력과 영향요인 연구에서 기능적 측면이란 무엇인가요? | 본 연구에서 은퇴설계실행능력 척도로는 선행연구(Kim & Choe, 2011)에서 개발된 재무관리역량 척도 중, 은퇴설계에 있어서의 소비자의 기능적 측면을 측정하는 문항을 사용하였다. 해당 연구에 의하면, 기능적 측면이라고 하는 것은 재무관리를 수행하는 데 있어 기술적(skill) 측면을 의미하는 것으로 소비자가 재무관리를 바로 행동에 옮길 수 있는가의 여부를 측정하는 것이다. 척도의 이러한 특성상 본 연구에서 필요로 하는 은퇴설계의 실행 능력을 측정하는 척도로서 적합하다고 할 수 있다. | |
소비자의 지식이 중요한 이유는 무엇인가요? | 소비자의 지식은 시장에서 소비자가 효율적으로 역할을 수행하기 위해 이해해야 할 사실, 개념 등을 의미하고 소비자 행동 전반에 영향을 미치므로 매우 중요한 요인이다(Seo & Jang, 2008). 지식은 기억으로부터 이끌어내어 지는 것으로서 특정 행위에 대한 탐색이 시작되면서 인출 되는 정보라 볼 수 있는데, 기억에서 소비자의 저장된 지식이 정보탐색과 정보처리의 인지적 과정에 강한 영향을 미치므로 소비자 지식은 소비자 행동을 이해하는 데 있어 중요하다(Bettman, 1979). |
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