earticle

영어

This study examined female consumers' credit management capacity and credit card usage behavior and its rationality to promote effective credit management education. Specifically, this study examined the levels of credit management capacity in knowledge, attitudes, and practice domains of female consumers in their 20s to 40s. Also, credit card usage behavior and its levels of reasonable usage were examined. The relationships between and among demographic characteristics, credit management capacity, credit card usage behavior, and its rationality were explored. Female consumers in their 20s to 40s with their own credit cards were surveyed in May 2012. A total of 286 convenient sample of female consumers were responded. It was found that the sample's credit management capacity score was 67.26 out of 100. Among the three components of credit management capacity, knowledge score was the highest followed by the attitudes and the practice score was the lowest. Female consumers needs to promote their practice skills in credit management. The rationality score of credit card usage behavior was 83.38 out of 110 and the rationality was influenced by credit management capacity and credit card usage behavior. Those who have higher levels of credit management capacity tend to exhibit higher levels of rationality in credit card usage. Those who spend less money with credit cards and those who showed lower levels of compulsive buying with credit cards also exhibited higher levels of rationality in credit card usage. These findings suggest that credit education for female consumers should include contents that promote credit management capacity in practice domain and reasonable actions in credit card usage.

한국어

본 연구는 20-40대의 비교적 젊은 여성 소비자들의 신용관리역량과 신용카드 사용행태 및 행동의 합리성을 파 악하고 이와 관련된 요인을 살펴보아 합리적인 신용사용을 위한 교육의 기초자료와 근거자료를 제공하고자 하였 다. 편의표집을 통해 확보한 286명의 여성 소비자들의 신용관리 역량 및 사용행태를 조사한 결과 여성 소비자들 의 신용관리 총역량은 100점 만점 기준에 67.26점으로 신용관리 지식역량과 신용관리 태도역량에 비해 기능역 량이 부족하였다. 여성 소비자의 신용카드 사용행동 합리성 점수는 110점 만점에 평균 83.38점으로 나타났다. 인구통계학적 특성은 신용카드 사용행동 합리성에 영향을 미치지 못하였다. 신용카드 사용행태 중에서는 신용카 드 이용 시 충동구매 빈도가 낮을수록, 월평균 사용금액이 적을수록 신용카드 사용행동 합리성에는 긍정적인 영 향을 미치는 것으로 나타났다. 또한 신용관리 총역량이 높을수록 신용카드 사용행동 합리성도 높게 나타났다