대학생의 주관적 금융이해력과 금융상품 구매태도 및 금융기관 서비스품질 지각 차이에 관한 연구
A Study on the Relationship between the Subjective Financial Literacy of Undergraduate Students and Their Perception of Financial Product Purchasing Attitudes and Service Quality in Financial Institutions
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초록
본 연구는 대학생을 대상으로 금융보험관련 교육 이후 주관적 금융이해력의 변화에 따른 금융상품 구매태도 및 서비스품질 지각 차이에 대해 살펴보았다. 연구를 위하여, 2020년 한 개 대학의 1, 2학기 금융보험관련 과목을 전공 및 교양으로 이수한 학생 172명을 대상으로 하였다. 연구결과, 첫째, 주관적 금융이해력에 따라 금융상품 보유에 차이가 나타났다. 교육 이후 주관적 금융이해력 수준을 낮다고 평가한 그룹의 경우 은행상품과 보험상품 보유가 높게 나타나 안정성 위주의 상품을 선택하는 것으로 나타났다. 둘째, 주관적 금융이해력에 따라 서비스품질 지각 차이가 나타났다. 주관적 금융이해력이 높은 그룹에서 은행과 보험회사 서비스품질을 높게 평가하는 것으로 나타나 행동편향이 금융기관 서비스품질 평가에 영향을 줄 수 있음을 확인하였다. 본 연구는 소비자의 금융상품선택과 서비스품질 평가에 금융이해력과 행동편향이 영향을 줄 수 있음을 살펴봄에 따라 금융이해력 향상에 대한 노력과 행동편향을 고려한 금융교육이 필요함을 시사하였다.
Abstract
Purpose : This study examined the difference in perception of financial product purchase attitudes and service quality according to changes in subjective financial literacy after financial insurance-related education for undergraduate students. Research design, data, methodology : For the study, 172 students who completed financial insurance-related subjects in the first and second semesters of one university in 2020 as majors and liberal arts were targeted. Results : First, there was a difference in holding financial products according to subjective financial literacy. In the case of the group that evaluated subjective finance as having a low level of understanding after education, it was found that they chose stability-oriented products as they had high holdings of bank products and insurance products. Second, there was a difference in perception of service quality according to subjective financial literacy. In the group with high subjective understanding, it was found that the service quality of banks and insurance companies was highly evaluated, confirming that behavioral bias could affect the evaluation of service quality. Conclusions : This study suggested that financial education in consideration of financial literacy and behavioral bias is necessary as it examines that financial literacy and behavioral bias can affect consumers' selection of financial products and service quality evaluation.
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