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본 연구에서는 소비자의 사회․인구학적 특성에 따라 위험감수도, 현상유지도, 재무정보탐색, 가계재무관리행동, 경제생활만족도에 어떤 차이가 있는가를 조사하였다. 또한 위험감수도, 현상유지도, 재무정보탐색, 가계재무관리행동 수준에 따라 소비자들을 3집단으로 구분하여 이들 집단의 소득, 저축, 부채 등 가계경제지표에 어떤 차이가 있는가를 조사하였다. 끝으로 위험감수도와 현상유지도가 재무정보탐색, 가계재무관리행동, 경제생활만족도에 미치는 영향을 조사하였다. 분석결과를 살펴보면 첫째, 남성, 대졸, 전문직 종사자의 위험감수도가 높은 것으로 나타났다. 반면, 40∼50대 이상, 월가계소득이 500만원 이상인 소비자의 현상유지도가 높은것으로 조사되었다. 기혼자, 주택 소유자, 전문직 종사자, 가계소득이 300만원 이상인 경우 재무정보를 더 적극적으로 탐색하고 있었다. 전문직 종사자, 20∼30대 연령, 가계소득이 300만원 이상인 소비자의 가계재무관리행동수준이 높았으며, 남성, 대졸, 주택소유자,20∼30대의 경제생활만족도가 높은 것으로 나타났다. 둘째, 위험감수도가 높은 집단의 생활비지출이 많았고 현상유지도가 높은 집단의 보험료 납입액수가 많았다. 한편, 재무정보탐색을 적극적으로 하는 집단의 소득, 저축액수,월부채상환액수, 보험료납입액수가 많은 것으로 나타났다. 한편, 가계재무관리행동을 적극적으로 하는 집단의 저축액수, 총부채, 월평균부채상환액수, 보험료납입액수가 많은 것으로 나타났다. 셋째, 개인의 위험감수도는 재무정보탐색에는 긍정적 영향을 미치나 가계재무관리행동과 경제생활만족도에 영향을 미치지 않고, 현상유지도는 재무정보탐색에는 부적 영향을미치고 가계재무관리행동에는 정적 영향을 미치는 것으로 나타났다. 또한 가계재무관리행동은 경제생활만족도에 정적 영향을 미치는 것으로 나타났다.
This study investigated the differences of risk tolerance, status quo bias, search behaviorof financial information, financial management behavior, and the satisfaction of economiclife by individual's demographic characteristics. In addition, this study categorized threegroups by levels of risk tolerance, status quo bias, search behavior of financial information,financial management behavior, and the satisfaction of economic life to investigat thedifferences in income, saving, debt of households, etc. Finally, this study investigated thefactors influencing the effects of risk tolerance and status quo bias on search behavior offinancial information, financial management behavior, and the satisfaction of economiclife. The results are below. First, gender, educational background, and professional occupation were found as significantdemographic factors influencing individual's risk tolerance. On the other hand, people intheir forties and fifties showed greater status quo bias than subjects in their twenties andthirties. Individuals with monthly household income of 5 million won or above preferredthe status quo. Marital status, house ownership, professional occupation, and householdincome were significant demographic variables influencing an individual's exploration offinancial information. Compared to other individuals, individuals who are married, own a house, are a professional, and have a monthly household income of 3 million won orabove were found to be more actively engaged in exploration of financial information. Professional individuals in their twenties and thirties with a monthly household income of3 million won or above showed higher financial management behavior compared to otherindividuals. Males, college graduates and above, house owners, and subjects in their twentiesand thirties were found to have greater satisfaction in economic life in comparison toother individuals. Second, monthly expenditure increased with increasing risk tolerance, ad monthlyinsurance fees was significantly variable in terms of status quo bias. On the other hand,groups with relatively more active exploration of financial information had higher levelsof income, savings, monthly payments for debt, and monthly insurance fees. Groups withrelatively more active financial management behavior had higher levels of savings, totalamount of debt, monthly payment for debt, and monthly insurance fees. Third, individual's risk tolerance influenced positively on search behavior of financialinformation, but not influenced on financial management behavior and satisfaction ofeconomic life, status quo bias influenced negatively on search behavior of financialinformation, but influenced positively on financial management behavior. In addition,financial management behavior influenced positively on satisfaction of economic life.
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risk tolerance, status quo bias, search behavior of financial information, financial management behavior, and the satisfaction of economic life
