금융소비자시민성이 금융기관의 ESG 평가에 미치는 영향

This study aimed to provide insights for the development of financial institutions into trustworthy organizations by examining how financial consumer citizenship influences the ESG (Environmental, Social, and Governance) evaluations of financial institutions. The analysis revealed the following key findings: First, financial consumers perceived rights more strongly than responsibilities and emphasized individual dimensions over social dimensions in terms of financial consumer citizenship. Notably, awareness of social responsibility was relatively the lowest. Second, evaluations of the importance and performance of ESG activities in financial institutions indicated that performance ratings were lower than importance ratings across all areas and financial sectors. This suggests that financial consumers believe ESG activities are important but perceive their actual implementation as insufficient. Third, financial consumer citizenship was found to significantly influence ESG evaluations. Specifically, individual and social rights awareness decreased the likelihood of positive evaluations of ESG activities, whereas social responsibility awareness increased the likelihood of positive evaluations. Based on these findings, the following actions are recommended: Strengthening financial consumers’ awareness of social responsibility through targeted education and campaigns. Enhancing the performance of ESG activities by fostering transparent communication with consumers and achieving tangible outcomes. Developing and implementing tailored ESG strategies for each financial sector to address sector-specific needs and challenges effectively. These efforts can contribute to building trust with financial consumers and promoting sustainable practices within financial institutions.