가족생활교육으로서의 재무교육의 현황 및 과제 -지역 건강가정지원센터의 프로그램을 중심으로-

Developing Financial Education Programs for Better Family Life Education in the Healthy Family Support Centers

  • 조혜진 (인천대학교 소비자아동학과) ;
  • 서지원 (한국방송통신대학교 생활과학과)
  • Cho, Hyejin (Dept. of Consumer and Child Studies, Incheon National University) ;
  • Seo, Jiwon (Dept. of Human Ecology, Korea National Open University)
  • 투고 : 2016.12.01
  • 심사 : 2017.02.21
  • 발행 : 2017.02.28

초록

The purpose of this study was to emphasize the household financial education as a part of family life education, especially when provided at local community level; it also examines diverse measures by which to deliver such education. To this end, the current study focuses on the education programs of a healthy family support center, which has been established as a representative transmission system. The current status of its operations was examined, and practical measures by which to stimulate the delivery of financial education within that center were derived. In more detail, previous studies inside and outside of Korea were examined, and the current status of financial education included in the area of family life education was assessed; as a result of these assessments, the definition and objectives of financial education as family life education were adjusted. The limits of financial education that has been delivered thus far were reviewed, with the aim of proposing measures by which to sufficiently stimulate the delivery of financial education programs-programs that ultimately reflect the healthy family philosophy. This study proposes four specific measures by which to stimulate financial education. The first is the application of 'life cycle perspectives' to educational terms. The second is the activation of financial education programs that involve the family unit as educational subjects. Third, the delivery of lectures which related to the financing and nurturing of program coordinators was proposed. The fourth is drawing a connection between online and offline education in terms of effectively applying teaching methods. Ultimately, the results of this study can be used as basic data to inform the planning, development, and operational stages of financial education programs within family life education, which can be performed in healthy family support centers in the future.

키워드

참고문헌

  1. 건강가정지원센터홈페이지(http://www.familynet.or.kr/index.jsp).
  2. 계선자(2000). 도시 취업주부의 가계재무관리행동과 경제복지감. 한국가족자원경영학회지, 4(1), 95-111.
  3. 금융감독원 보도자료(2015. 2. 13). 중학생 금융교육 이러닝 콘텐츠 개발.
  4. 금융감독원 보도자료(2017. 1. 23). '2016 전국민 금융이해력 조사' 결과.
  5. 금융감독원(2015). 생애주기별 금융생활 가이드북.
  6. 김보미.정현숙(2007). 서울지역 가족생활교육 현장별 교육내용과 방법 분석, 한국가족관계학회지, 12(3), 285-312.
  7. 박창제(2014). 베이비부머와 전베이비부머의 재무적 노후준비에 관한 연구. 노인복지연구, 63, 309-336.
  8. 백은영.배미경.이승신(2004). 재무교육이 미국대학생들의 주관적 재정관리 행동문제 인지에 미치는 영향, 대한가정관리학회지, 42(8), 219-233.
  9. 서수경(2001). 독일과 한국의 가족교육 비교 연구-사회정책적 차원, 한독교육학연구, 6(2), 1-25.
  10. 서울시 건강가정지원센터 홈페이지(http://www.familynet.or.kr/fn_areacenter/).
  11. 서지원(2012). 베이비부머 가계의 경제구조 및 경제적 만족도 분석. 한국가족자원경영학회지, 16(1), 41-66.
  12. 성영애(2012). 재무교육 및 재무상담에 대한 소비자요구와 선호분석, 소비자학연구, 23(2), 85-105.
  13. 성영애.양세정.이희숙.차경욱.최현자(2006). 소비자재무설계및상담 교과과정의 발전적 운영을 위한 小考, 소비자정책교육연구, 2(1), 21-39.
  14. 안창희.정순희(2006). 개인재무교육이 재무행동 및 객관적 경제복지에 미치는 영향, 소비자학연구, 17(2), 197-219.
  15. 옥선화(1997). '가족생활교육' 교과과정 평가 및 개발: 미국대학 교과과정분석을 중심으로. 한국가족관계학회지, 2(1), 29-50.
  16. 왕석순(2009). 우리나라 공교육에서 가족생활 교육의 실태 분석, 실과교육연구, 15(2), 249-274.
  17. 유계숙(2004). 건강가족의 요소에 관한 연구: 가족체계와 건강성을 중심으로. 한국가족관계학회지, (9)2, 25-42.
  18. 이수희(2005). 가족생활교육 프로그램 및 교육자료의 개발파 적용-건강한 가정 만들기를 중심으로- 한국가정과교육학회지, 17(1), 113-129.
  19. 이정연(1998). 유아기자녀를 둔 가족에서의 부모교육과 부부교육. 생활과학논집, 1, 27-35.
  20. 정영금.강기정.박정윤.정지영.조성은(2009). 건강가정지원센터의 브랜드 교육 프로그램 개발에 관한 연구, 한국가족자원경영학회지, 13(1), 83-98.
  21. 정지영.정영금.조성은(2007). 건강가정지원센터의 교육프로그램 운영 실태에 관한 조사, 한국가족자원경영학회지, 11(4), 93-114.
  22. 정현숙(1998). 가족생활교육의 과제와 전망: 가족향상프로그램의 고찰을 통해. 한국가정관리학회지, 40(4), 55-68.
  23. 정현숙(2007). 가족생활교육. 서울: 신정.
  24. 조혜진.장연주.김민정.이지영.최현자(2015). 재무설계에 있어서 코칭(coaching)의 적용가능성 검토 연구, 한국소비자학회 2015 춘계학술대회자료집.
  25. 최현자.조혜진(2011). 금융교육과 금융거래경험이 대학생의 금융이해력에 미치는 영향에 관한 연구, 소비자학연구, 22(4), 1-21.
  26. 한국건강가정진흥원 홈페이지(http://www.kihf.or.kr/main.php).
  27. 한국은행 보도자료(2016. 11. 24). 2016년 3/4분기 중 가계신용(잠정).
  28. 한국은행.금융감독원 보도자료(2017. 1. 23). 2016 전국금융이해력조사 결과.
  29. Arcus, M. E., Schvaneveldt, J. D., & Moss, J. J. (1993). The nature of family life education. Handbook of family life education: Foundations of family life education, 1, 1-25.
  30. Bernheim, B. D., & Garrett, D. M. (1996). The determinants and consequences of financial education in the workplace: Evidence from a survey of households (No. w5667). National Bureau of Economic Research.
  31. Bernheim, B. D., & Garrett, D. M. (2003). The effects of financial education in the workplace: evidence from a survey of households. Journal of Public Economics, 87(7), 1487-1519. https://doi.org/10.1016/S0047-2727(01)00184-0
  32. Bernheim, B. D., Garrett, D. M., & Maki, D. M. (2001). Education and saving: The long-term effects of high school financial curriculum mandates. Journal of Public Economics, 80(3), 435-465. https://doi.org/10.1016/S0047-2727(00)00120-1
  33. Clancy, M., Grinstein-Weiss, M., & Schreiner, M. (2001). Financial education and savings outcomes in individual development accounts. Working Paper 01-2. St. Louis, MO: Center for Social Development, Washington University.
  34. Garman, E. T., Kim, J., Kratzer, C. Y., Brunson, B. H., & Joo, S. H. (1999). Workplace financial education improves personal financial wellness. Financial Counseling and Planning, 10(1), 79-88.
  35. Guerney Jr, B., & Maxson, P. (1990). Marital and family enrichment research: A decade review and look ahead. Journal of Marriage and the Family, 1127-1135.
  36. Hirad, A., & Zorn, P. M. (2001). A little knowledge is a good thing: Empirical evidence of the effectiveness of pre-purchase homeownership counseling. Joint Center for Housing Studies of Harvard University.
  37. OECD(2005). "Improving Financial Literacy: Analysis of Issues and Policies," Paris: OECD Publishing.
  38. Rand. D. (2004). Financial education and asset-building programs for welfare recipients and low-income workers: The Illinois experience.