Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
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A study on the effect of financial education and retirement attitudes of middle-aged on the recognition of the preparation for their old age

중년층의 재무교육 및 퇴직태도가 노후준비인식에 미치는 영향 요인

  • 강신기 (호서대학교 벤처전문대학원) ;
  • 조성숙 (호서대학교 벤처전문대학원)
  • Received : 2013.09.30
  • Accepted : 2013.11.20
  • Published : 2013.11.28
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Abstract

This study shows how financial education for middle-age affects their remaining life (economic, physical, emotional and social) and improves the way of preparing for their old age through 355 questionnaires using SPSS 18.0, factor analysis, t-test and ANOVA program. The results obtained are summarized as follows: Firstly, The importance of financial education has been differently perceived by the age, marital status, income and religion. Secondly, the necessity for early financial education and retirement preparation have been comprehended by analyzing the effects of the financial education on their old life. Thirdly, Attitude for retirement has affirmative effects on the self respect, economic stability and leisure activity.

본 연구는 앞으로 은퇴생활을 시작하게 될 중년층의 재무교육 여부 및 퇴직태도가 노후준비인식(경제적, 신체적, 정서 사회적)에 미치는 영향과 이들 변수들 간의 차이점 분석을 통한 문제점을 파악하여 중년층의 노후준비도의 개선방향을 모색하고자 하였다. 연구대상은 수도권에 거주하는 중년층 355명을 대상으로 하였으며 자료 분석은 SPSS 18.0 프로그램을 이용하여 빈도분석, 요인분석, 신뢰도분석 및 t-test, 일원 분산분석 등을 하였다. 연구내용은 퇴직을 앞둔 중년층의 휴식으로서의 전환이 경제적 노후준비와 신체적 노후준비, 정서 사회적 노후준비의 상관관계와 새로운 시작, 일의 계속, 강요된 분열의 영향요인에 관한 연구결과를 살펴보았다. 첫째, 연령이 높을수록, 기혼, 소득과 직업경력이 높을수록, 종교가 있는 경우, 건강상태가 좋을수록 경제적, 신체적 노후준비 인식이 높게 나타났다. 둘째, 중년층의 재무교육이 영역별 노후준비 인식에 미치는 영향을 알아냄으로써 사전 퇴직교육과 은퇴준비의 필요성을 알 수 있었다. 셋째, 퇴직태도는 신체적 노후준비 인식에 영향을 미쳐 자아존중과 가정의 안정 및 경제적인 면과 건강상태, 여가활동 등의 영향요인이 있음이 분석되었다.

Keywords

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