대학생의 개인재무관리역량

The Financial Management Competency of University Students

The purpose of this study is to measure financial competency of students in Chung-buk national university. The financial competency included financial attitude, financial knowledge, and financial skills. The major findings are as follows: First, as the financial management competency of university students, their attitude towards financial management was 75 points, knowledge in financial management was 68.5 points, and financial management skill was 59.9 points. Second, male students showed higher scores than female students in all areas. Third, students in the fields of medicine, education, and laws showed higher levels of financial management knowledge yet their financial management skill was low. Forth, students who receive allowances from parents showed high points of attitude towards financial management yet their financial management skill was low. Those who receive allowances from people that are not parents showed lower points in the attitude towards financial management or the knowledge than those who do not receive allowances. Fifth, students who spend money they earned showed higher points in every area than other students’ points. Finally students who received financial education showed similar or lowered points in financial management attitude and financial management knowledge with students who did not receive the financial education. However, the level of their financial management function was higher. Students who have saving accounts, periodicaldeposits, fixed deposits, a check card, or debit card showed higher levels of financial management knowledge and function that those who do not have the above items.