도시가계의 재무지식 및 재무관리가 객관적 재무건전성과 주관적 재무만족도에 미치는 영향

Effects of Financial Knowledge and Financial Management on Objective Financial Well-Being and Subjective Financial Satisfaction

The study examines the relationships among financial knowledge, financial management, and objective financial well-being and subjective financial satisfaction. The data used in the study was 331 households from the survey in both Seoul and Kyeonggi-Do. The data analysis was dome using the SAS-PC program and several statistical techniques were utilized such as frequency, and multiple regression analysis. The results of the study were as follows; The results from multiple regression analysis providing the information about the relationships between two variable after controlling other effects on the variables, showed that, the households with more financial knowledge tended to do more on both financial management plan and financial management implement. The households doing more on financial management implement were found to have more subjective financial satisfaction, while those doing more on financial management plan were found to have more objective financial well-being. Also, a positive relationship was found between objective financial well-being and subjective financial satisfaction.