대학생들의 기업가정신ㆍ디지털역량과 금융이해력이 창업인식에 미치는 영향 연구

How entrepreneurship & digital competence, and financial literacy of university students affect their perception on start-ups

본 연구는 기업가정신과 디지털 역량이 창업인식에 미치는 영향과 금융이해력과의 관계를 살펴보고자 하였다. 이를 위해 부산·경남지역 대학생들을 대상으로 설문조사를 실시하였으며, 총 129명의 응답을 표본으로 SPSS 26.0을 이용하여 검증하였다. 연구 결과, 기업가정신의 혁신성은 금융이해력의 하위변수인 금융지식, 금융태도에 긍정적인 영향을 미치고, 창업인식에도 긍정적인 영향을 미치는 것으로 나타났다. 디지털역량은 금융이해력과 창업인식에 긍정적인 영향을 미치는 것으로 나타났다. 또한 금융지식과 금융태도는 창업인식에 긍정적인 영향을 미치는 것으로 나타났다. 기업가정신과 창업인식 간에 금융태도의 긍정적인 매개효과가 나타났고, 디지털역량과 창업인식 간에 금융행위의 긍정적 매개효과가 나타났다. 본 연구 결과로 스마트 사회, 디지털 세상에서 디지털역량과 금융이해력이 창업을 인식하고 활성화하는데 중요한 요인임이 확인되었고, 이에 따른 체계적인 교육의 필요성을 시사하고 있다.

This study aims at examining the impact of entrepreneurship & digital competency, and financial literacy on start-up perception. A survey was conducted on university students in Busan and Gyeongnam. The total response was 129 persons, and this sample was verified with SPSS 26.0. The result demonstrated that innovative entrepreneurship had a positive effect on financial knowledge and financial attitude, which were sub-variables of financial literacy, which in turn had a positive effect on start-up perception. The findings also revealed that digital competence had a positive effect on financial literacy and start-up perception. In addition, the study found that financial knowledge and financial attitude had a positive effect on start-up perception. Financial attitude was found to have a positive mediating effect between entrepreneurship and start-up perception. Financial behavior had a positive mediating effect between digital competence and start-up perception. The results of this study indicate that digital competence and financial literacy are important factors that influence the perception and enhancement of start-ups, especially in our smart society and digital age. The findings also illustrate the need for a systematic approach to education and policy implementation for university students, as they are potential entrepreneurs who will explore new opportunities and promote start-ups in the future.