신종 투자사기 ‘리딩방’ 소비자피해 경험의 영향요인 분석

Abstract

Due to the investment craze, ‘Leading Room’, which offer the timing of selling and buying investment items such as stocks and virtual currency, and sharing advanced information through anonymous open chatting, are popular. The popularity of Leading Room is leading to consumer damage such as unmanned Quasi-investment Advisory Business, pre-emptive buying, false exaggerated advertisements, unfair trade, and inducing users to subscribe to fake exchanges. In this study, the characteristics and influence factors of victims were identified in order to establish a prevention plan for the victim's damage in the Leading Room. By applying the structural selection model of the victimization theory, factors affecting the damage of the reading room were derived. The analysis results are as follows. First, According to ‘gender’, ‘preferred investment period’, ‘investment method’, ‘financial knowledge’, ‘financial planning experience’, and ‘financial education experience’, there was a difference in the consumer damage experience of leading rooms. In the group that experienced consumer damage in the Leading Room, there were men, preference for short-term investment, aggressive investment type, the group with the lowest financial knowledge, and the group with experience in financial planning and financial education. The group that escaped the damage of Leading Room consumers had the highest level of financial knowledge. The group that was neither likely to nor suffered from consumer damage in the Leading Room was a long-term investment and stability-seeking type in many cases. Second, If an active investment type, the probability of encountering damage to the Leading Room user is high. The higher the deposit amount, the higher the preference for short-term investment, the lower the financial knowledge, the higher the probability of being unable to avoid damage to the Leading Room. Unexpectedly, Financial consumers who received financial design and financial training were damaged in the Leading Room. Through the results of this study, we have drawn implications for the need for education and campaigns to strengthen the right investment values and investment capabilities, and to raise awareness of the risk of new types of financial fraud in order to prevent damage to Leading Room consumers.