소비자의 금융교육경험 유형별 금융지식과 금융태도가 금융행동에 미치는 효과 연구 - 중학생 소비자를 중심으로 -

This study categorized financial education experiences for middle school students and examined the effects of financial knowledge and financial attitudes by type of financial education experience on financial behavior. This is because it is an important time for middle school students to determine consumption value and consumption behavior as a starting point of adolescence, and not only is it a time when consumption-related attitudes and value formation are more important than production, but the age of participation in the fundamental consumer market is gradually decreasing. As a result of the analysis, the types of financial education experiences of middle school students were classified into family/school parallel education experience type, family-centered education experience type, and school-centered education experience type, and family/school parallel education experience type showed higher financial knowledge and financial behavior than other types. The type of financial education experience and financial knowledge of middle school students showed an effective effect on financial behavior, and the type of financial education experience showed an interactive effect on financial behavior along with financial knowledge. On the other hand, the type of financial education experience and financial attitude had a main effect on financial behavior, but had no interaction effect. Financial education of middle school students consumers should be accompanied by school education and home education, and the importance of education with parents, children, and schools can be seen. In addition, although the content of financial education is important, it is suggested that various hands-on experiences are required in the educational method, and above all, the age for financial education should be lower. And although digital capabilities are needed day by day, I would like to suggest that digital-oriented customized financial education is also needed to meet the changing environment of the times, considering that financial understanding is low as a result of the survey.