원문정보
The Effects of Attitudes toward the Use of Money and Credit Cards on the Financial Management Practices of College Students
초록
영어
The purpose of this study was to examine how college students' attitudes toward the use of money and credit cards have affected their financial management practices. The data were collected from 231 college students in Seoul using by a self administered questionnaire. Frequencies, factor analyses, t-tests, ANOVA, and multiple regression were conducted using by SPSSWIN 12.0. The results from this study were as follows. First, results of the factor analysis of attitudes toward the use of money were divided into 5 dimensions such as instrument of ostentation, sufficiency of desire, source of anxiety, diligence and economy, and instrument of preparation for the future. Attitudes toward the uses of credit cards were divided into 3 dimensions, such as positive affection, cognition of reverse function, and attitudes of use-behavior. Financial management practices were divided into 2 dimensions: planning and performing. Second, social-demographical & economical factors, among such as gender, allowance, financial stress, number of credit -cards possessed, and expenses of credit -cards totals each month were significant in the regression analyses for the financial management practices. The results indicate that attitudes toward the use of money have a bigger effect on financial management practices than attitudes towards credit cards. Specifically, attitudes toward the use of money as an instrument of preparation for the future had the most effect on the financial management practices. These results imply that for sound financial management practices to take place, there needs to be education on attitudes toward the use of money.
목차
I. 서론
II. 이론적 배경 및 선행연구 고찰
1. 대학생의 재정관리 행동
2. 화폐 및 신용카드에 대한 태도
III. 연구방법
1. 연구 문제
2. 조사도구
3. 조사 대상 및 자료 수집
IV. 연구 결과 및 해석
1. 조사대상자의 일반적 특징
2. 화폐사용 태도, 신용카드에 대한 태도, 재정관리 행동의 구성요인 및 일반적인 경향
3. 사회인구학적 변수, 경제적 변수에 따른 화폐사용 태도와 신용카드에 대한 태도 및 재정관리행동
4. 사회인구학적 변수, 경제적 변수, 화폐사용 태도 및 신용카드에 대한 태도가 재정관리행동에 미치는 영향
V. 요약 및 제언
참고문헌