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돈에 대한 태도 관련 국내외 연구동향 분석: 2010-2023

Analysis of Domestic and International Research Trends Related to Attitudes Toward Money: 2010-2023

장연주|문주옥|김민정
한국소비자학회 (Korean Society Of Consumer Studies)|2024.08|소비자학연구 (Journal of Consumer Studies)|제35권 제4호|pp. 1-29|DOI http://dx.doi.org/10.35736/JCS.35.4.1

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연구동향내용분석Research TrendContents Analysis화폐 태도돈에 대한 태도돈에 대한 태도 척도Attitude Towards MoneyMoney AttitudeMoney Attitude Scale
주제분류경제학

초록

돈에 대한 태도는 소비습관, 저축 및 투자선택에 있어 개인의 재무적 웰빙을 결정짓는 역할을 한다. 그럼에도 불구하고 국내에서는 돈에 대한 태도에 대한 논의가 소홀히 다루어져 왔다. 이에 본 연구는 2010년 이후 수행된 국내 연구 29편과 국외 연구 92편 등 총 121편의 논문을 검토하고, 연구 주제, 관련 변수, 연구 대상, 사용된 척도 등을 기준으로 분석 대상을 유목화하여 시기별 연구 동향과 차이점을 분석하였다. 연구 결과를 바탕으로 향후 돈에 대한 태도 관련 국내 연구의 방향을 다음과 같이 제언하였다. 첫째, 국내 소비자의 특성을 반영하여 연구 목적에 부합하는 돈에 대한 태도 척도를 개발하고 적용하려는 노력이 요구된다. 둘째, 기존에 개발된 척도의 측정 목적을 고려하여 적절한 척도를 활용한 연구를 수행해야 한다. 셋째, 국내 연구는 국외 연구에 비해 관련 변수의 범위가 제한적인 것으로 나타나, 다양한 변수들과의 관계 검증 시도가 필요하다. 넷째, 선행 및 후행변수의 검증을 넘어, 매개 및 조절변수 등 돈에 대한 태도의 역할을 폭넓게 검증할 수 있도록 연구모형을 다변화하여야 한다. 다섯째, 다양한 직업군과 상황을 포괄하여 연구 대상을 다양하게 확대하여야 할 것이다. 후속 연구에서는 금융교육 및 정책의 효과 향상을 위해 개인의 돈에 대한 태도를 이해하고 이를 효과적으로 개선할 수 있도록 하는 연구가 다양하게 이루어질 필요가 있음을 제안하였다.

Abstract

Attitudes toward money play a crucial role in determining an individual's financial well-being through their spending habits, savings, and investment choices. However, discussions on attitudes toward money have been neglected in Korea. This study reviewed 121 papers, comprising 29 domestic and 92 international studies conducted since 2010. The study categorized the analysis targets by research topics, related variables, research subjects, and the scales used, while also analyzing trends and differences over time. Based on the research results, the following suggestions for future domestic research were made: First, it is necessary to develop and apply an attitude-toward-money scale that reflects the characteristics of domestic consumers and aligns with specific research objectives. Second, future research should utilize appropriate scales that consider the measurement goals of previously developed scales. Third, domestic studies tend to have a more limited range of related variables compared to overseas studies, so attempts to verify relationships with a wider variety of variables are necessary. Fourth, the research model should be diversified to broadly test the role of attitudes toward money, including mediating and moderating variables, beyond merely verifying independent and dependent variables. This study suggests that a variety of follow-up studies are needed to explore effective ways to improve attitudes toward money and enhance the effectiveness of financial education and policies.

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