코로나19 전 후 금리변동에 따른 소비자의 재무적 이슈 변화 - 사회초년생을 중심으로 -

In this study, we examine how the financial issues of young adults have changed in response to pre- and post-COVID-19 interest rate fluctuations. To do this, we collected data from newspaper articles and online communities and analyzed them using text mining techniques. As a result of analyzing the frequency of keyword occurrences, we found that housing-related keywords consistently appeared at the top in newspaper articles both in pre- and post- COVID-19 era. In online communities, keywords related to salary management appeared at the top both in pre- and post- COVID-19, and in particular, keywords related to investment appeared at the top in post- COVID-19. Next, as a result of the topic modeling analysis, in newspaper articles, housing and credit-related policy topics were derived in pre- COVID-19, and in post- COVID-19, topics such as housing- related investment and fraud damage were derived. In online communities, topics related to general financial tasks in the early years of life were derived in pre- COVID-19 and topics such as investment and savings in post- COVID-19. Based on this, it was suggested that a system should be established so that young people can stably build assets in the domestic real estate market, as they are very interested in real estate regardless of interest rate fluctuations. It was also suggested that balanced allocation and asset management of safe and risky assets are needed in that active financial investment was made during the low-interest period of COVID-19. Given the lack of previous research on interest rate fluctuations, this study is significant in that it compares how the financial topics discussed among consumers have changed over the period of interest rate fluctuations. In addition, by analyzing both mass media and social media, we were able to capture a broader picture of consumer financial discussions.