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Problems in the Financial Market: A Study on the Level of Consumer Experience and Its Influential Factors
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소비자의 금융소비자문제경험과 영향 요인 분석

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Type
Academic journal
Author
Park, Jong Ok (서울대학교) Sohn, Sang Hee (서울대학교)
Journal
Korean Consumer Agency journal of consumer policy studies No.43 KCI Accredited Journals
Published
2012.12
Pages
49 - 69 (21page)

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Problems in the Financial Market: A Study on the Level of Consumer Experience and Its Influential Factors
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Abstract· Keywords

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With financial products being both complex and diverse, credence goods have caused consumers to have difficulties in searching for and understanding the information and the evaluation of financial products. The consumer’s problems in the financial market occur in various money transactions, such as savings, investments, loans, and insurance. This has the potential to cause the financial loss of consumers and infringe on their rights. Furthermore, this can directly affect the quality of consumer welfare and life. For these reasons, consumer problems in the financial market have to be considered a very important issue. Nevertheless, only a few studies related to this issue have been produced thus far. The purpose of this study has been to examine the level of experience for consumer problems in the financial market and to find the factors that influence the level of experience.
As for this study’s major findings, firstly, the problem of information asymmetry was found to be the most serious consumer problem in the financial market. This result implied that consumers commonly receive insufficient information and have difficulties in understanding the information pertaining to financial products. To reduce this problem, informational disclosure and the duty for full explanation to consumers must be strengthen. Also, developing programs for consumer education is likewise necessary for the improvement of consumers to be able to search and understand financial information. Secondly, the most significant factor for reducing the level of consumer problems in the financial market was found to be the concept of consumer decision making capability (CDMC). This result implied that consumers need educational programs with appropriate contents for fostering CDMC. On the basis of the above results, we suggest the need for more financial education and more powerful regulations for the minimization of consumer problems in financial market.
#금융소비자문제경험 #금융소비자보호 #소비자의사결정역량 #consumer problem in the financial market #experience of the consumer problem #consumer decision making capability (CDMC) #consumer financial protection

Contents

요약
Ⅰ. 서론
Ⅱ. 이론적 배경
Ⅲ. 연구문제 및 연구방법
Ⅳ. 연구결과
Ⅴ. 결론
참고문헌
Abstract

References (33)

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1. [학위논문] - 김민정 / 2011 / 펀드상품 투자권유에서의 금융소비자문제 연구 / 박사 / 서울대학교 대학원 google schola 2. [학술지(정기간행물)] - 김병연 / 2009 / 금융 포커스 : 금융위기 재발방지를 위한 금융소비자 역량강화 / 주간금융브리프 18 (33) : 8 ~ 9 google schola 3. [학술지(정기간행물)] - 김성숙 / 2011 / 금융소비자보호 관점에서의 금융업권별 경영 및 금융소비자품질 평가지표 개발 / 금융소비자연구 1 (2) : 45 ~ 71 google schola 4. [학술지(정기간행물)] - 김영두 / 2011 / 금융소비자의 투자 의사결정과 금융소비자 복지 증진 방안 고찰 -행동론적 접근을 중심으로 - / 소비자문제연구 (39) : 1 ~ 21 dbpia 5. [학술지(정기간행물)] - 김영두 / 2011 / 이익 혹은 손실 상황에서 금융소비자들이 경험하는 감정은 모두 같은가? - 조절초점에 따른 감정 유형 간 강도 그리고 만족도 차이를 중심으로 - / 소비자학연구 22 (3) : 25 ~ 55 dbpia

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