재무설계 상담이 재무관리역량과 재무자신감에 미치는 영향

다국어 초록 (Multilingual Abstract)

This study examined the changes in financial management competency and financial confidence resulting from financial planning consultations and the key factors influencing these changes. Two hundred and six corporate employees were surveyed before and after participating in financial planning consultations. The analysis focused on the changes across three dimensions of financial management competency (management attitude, management ability, and management satisfaction) as well as financial confidence.<BR/> The findings were as follows. First, financial planning consultations resulted in statistically significant improvements in financial management attitude, financial management ability, financial management satisfaction, and financial confidence. Increased financial management satisfaction and reduced financial anxiety through consultation helped enhance financial confidence. Second, an analysis of changes in financial management competency and financial confidence according to demographic characteristics showed that the counseling had a positive impact on respondents across all age groups and backgrounds. Third, regression analysis showed that the housing status had a significant influence on the changes in financial management satisfaction and financial confidence. Specifically, homeownership had an adverse effect on the changes in financial satisfaction but a positive effect on the changes in financial confidence. Hence, homeowners may experience limited improvement in satisfaction due to debt repayment burdens or liquidity constraints, while benefiting from the psychological stability that comes with asset ownership, which can enhance their financial confidence. Furthermore, among the changes in financial management attitudes, a shift in the perception of asset importance had a significant positive effect on financial confidence. Improvements in financial management ability affected financial management satisfaction and financial confidence, and these changes in financial satisfaction were also associated with increased financial confidence. These results suggest that financial planning consultations can improve individuals' financial awareness and attitudes, leading to greater psychological stability and enhanced confidence in managing their finances.