미래 자기를 위하여 투자하기: 장기 지향성과 재테크 의도의 관계에서 미래 자기 연속성의 매개효과
Invest for my future self: The mediation effect of future self-continuity on long-term orientation and invest intention
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초록
본 연구는 장기 지향성, 미래 자기 연속성, 재테크 의도 사이의 관계를 살펴보고자 진행되었다. 장기 지향성과 미래 자기 연속성은 모두 미래 보상을 얻기 위해 현재를 인내하는 경향과 관련이 있다. 미래의 보상을 위해 투자하는 재테크 역시 미래의 보상을 위해 현재의 보상을 포기하는 속성을 가졌다. 장기 지향성은 미래를 중요하게 생각하는 특성이므로, 미래 자기 연속성을 높이며, 이를 통해 재테크 의도가 높아질 것으로 보았다. 연구 결과, 장기 지향적 특성은 미래 자기 연속성을 높였다. 또한, 미래 자기 연속성은 장기 지향적 특성과 재테크 의도의 관계를 매개했다. 본 연구의 발견을 토대로, 금융 투자 상품에 관심을 가질 소비자층의 특성은 어떤 것이 있을지를 논하였다.
Abstract
This study examined the relationship between long-term orientation, future self-continuity, and investment intention. Both long-term orientation and future self-continuity are related to the tendency to endure the present moment for future rewards. Likewise, one of the characteristics of investment is intertemporal choices, which have tradeoffs between small but immediate rewards and larger but later rewards. Since long-term orientation is associated with valuing future rewards, it will likely increase future self-continuity and investment intention. The result showed that long-term orientation increased future self-continuity, and future self-continuity affected investment intention. Future self-continuity mediated the relationship between long-term orientation and investment intention. Throughout this study, we discussed the characteristics of consumers interested in financial investment products.
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