델파이 기법을 통한 청소년 경제금융교육 교육과정 개발
The Development of an Economic and Financial Education Curriculum for Adolescents Through the Delphi Method
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초록
학교 경제금융교육은 잘 설계된 표준화된 교육과정과 평가도구, 충분한 교사 연수, 학기당 1-2차시의 적절한 교육 시간 등을 통해 학생의 지식 향상과 행동 변화를 유도할 수 있다. 본 연구에서는 이러한 요인들을 고려하여 청소년을 대상으로 하는 표준화된 경제금융 교육과정을 개발하였다. 이 교육과정은 경제 및 금융교육의 핵심 아이디어, 개념, 일반화된 지식을 바탕으로 주제와 성취기준을 구성하였으며, 최신 이슈와 변화된 경제금융 환경을 반영하였다. 또한 개인의 금융 문제를 중심으로 경제 주제를 다루며, 학생들이 실생활에서 경제금융 문제를 합리적으로 해결하고 건전한 금융생활을 영위할 수 있는 역량을 함양하는 것을 주요 목표로 한다. 이를 통해 학생들의 금융 역량을 강화하고 경제적 사고방식을 함양하는 데 중점을 두고 있다. 본 연구는 교사 합의에 기반한 델파이 기법을 활용하여 경제금융 교육과정 개발 사례를 제시하며, 중학교 및 고등학교 교육과정 개발 과정과 내용을 구체적으로 다룬다. 이 교육과정은 2022 개정 교육과정에서 도입된 학교자율시간의 과목 및 활동 운영과 교사의 전문성 개발을 위한 도구로 유용하게 활용될 것으로 기대된다.
Abstract
The implementation of a well-structured, standardized curriculum and assessment tools, combined with comprehensive teacher training and sufficient class time (1–2 periods per semester), is expected to enhance student knowledge and promote behavioral changes in the context of school-based financial education. This study aimed to develop a standardized economic and financial education curriculum for adolescents, addressing these critical factors. The curriculum includes topics and performance standards grounded in the fundamental concepts, principles, and general knowledge of economic and financial education, while also integrating current trends and the evolving economic and financial landscape. Focusing on economic topics with an emphasis on personal finance, the curriculum seeks to equip students with the skills to effectively solve economic and financial challenges in daily life and to cultivate financially responsible habits. It is designed to strengthen financial literacy and foster an economic mindset among students. This study presents a case study on the development of an economic and financial education curriculum using the teacher consensus Delphi method, highlighting the process and content of curriculum development for middle and high schools. The resulting curriculum is expected to serve as a practical tool for implementing courses and activities during school-directed time and for enhancing teacher expertise, as outlined in the 2022 revised curriculum.
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