벤처창업연구 (Asia-Pacific Journal of Business Venturing and Entrepreneurship)

  • 제18권5호
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  • Pages.175-183
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  • 2023
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  • 1975-7557(pISSN)
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  • 2671-9509(eISSN)
한국벤처창업학회 (The Korean Society of Business Venturing)
권호 표지

금융이해력과 재무관리행동이 창업인식에 미치는 영향 연구: 기업가정신의 매개효과

A Study on the Effects of Financial Literacy and Financial Management Behavior on Entrepreneurship Awareness: Mediating Effect of Entrepreneurship

  • 강경란 (부산대학교 융합학부 과학기술혁신전공) ;
  • 박철우 (부산가톨릭대학교 소프트웨어학과)
  • Kang Gyung Lan (Pusan National University, Science and Technology Acceleration for Resign Academy) ;
  • Park Cheol Woo (Catholic University of Pusan, Department of Software)
  • 투고 : 2023.07.05
  • 심사 : 2023.10.12
  • 발행 : 2023.10.31
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초록

본 연구는 대학생들의 금융이해력과 재무관리행동이 창업인식에 미치는 영향과 기업가정신의 매개효과를 살펴보았다. 이를 위하여 부산경남지역 대학생들을 대상으로 설문조사를 실시하였으며, 총 207명의 응답을 표본으로 SPSS 28.0 프로그램을 이용하여 검증하였다. 연구결과, 금융이해력과 재무관리행동은 기업가정신과 창업인식에 긍정적인 영향을 미치는 것으로 확인되었다. 또한, 금융이해력과 창업인식, 재무관리행동과 창업인식간에 기업가정신은 긍정적인 매개효과를 하는 것으로 확인되었다. 금융이해력 향상은 바람직한 재무관리행동으로 이어져 재정적으로 책임감 있는 의사결정을 할 수 있는 잠재력을 키워주며 미래에 기대하는 삶의 수준을 달성하기 위한 실천의지를 높여준다. 본 연구 결과는 잠재적 창업가인 대학생들이 혁신과 성장의 원천인 창업을 인식하고 이를 촉진하기 위해서는 대학교육 과정애서 금융이해력과 기업가정신 교육이 매우 중요함을 시사하고 있다.

This study examined the effect of college students' financial literacy and financial management behavior on entrepreneurial awareness and the mediating effect of entrepreneurship. To this end, a survey was conducted targeting university students in Busan and Gyeongnam area, A total of 207 responses were verified using SPSS 28.0 as a sample. As a result of the study, it was confirmed that financial literacy and financial management behavior had a positive effect on entrepreneurship and entrepreneurial awareness. Entrepreneurship was found to have a positive mediating effect between financial literacy and entrepreneurial awareness, financial management behavior and entrepreneurial awareness. As financial literacy improves, it leads to desirable financial management behavior, increases the potential to make more financially knowledgeable and responsible economic decisions, and increases the will to achieve future financial goals. The results of this study suggest that financial literacy and entrepreneurship education are very important during college education in order for potential entrepreneurs to recognize and promote entrepreneurship.

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과제정보

이 논문은 2023년도 과학기술정보통신부의 재원으로 과학기술사업화진흥원의 지원을 받아 수행된 연구임 (1711195989, 지역과학기술성과실용화지원사업(부산대학교))

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