청장년층 금융소비자의 재무불안 유형화 연구

This study categorized financial consumers according to financial anxiety and examined the characteristics of the categorized groups. For the study, an online survey was conducted targeting 1,054 domestic financial consumers in their mid- 20s to 40s. As a result of classifying the types of financial consumers according to financial anxiety, they were classified into four groups: low anxiety group, average anxiety group, income and asset anxiety group, and high anxiety group. Each group showed differences in the levels of average monthly income, credit debt, subjective financial knowledge, attitude toward the future, and comparison propensity. The variables that differentiated the average anxiety group from other groups were age, number of children, highest level of education, average monthly income, credit debt, and comparative propensity variables. In particular, the amount of credit debt and the tendency to compare were the variables that differentiated all groups from the average anxious group, confirming the importance of debt and psychological factors in financial anxiety. This study examined the types of financial anxiety and the factors affecting each type to derive specialized problems for each type of financial anxiety and to present information that serves as the basis for appropriate response or diagnosis for each group’s problems.