The purpose of this study is to find the implications of the policy aspect to improve the level of the new university graduates' financial management competencies and financial management behaviors. To do this, an online questionnaire survey was condu... The purpose of this study is to find the implications of the policy aspect to improve the level of the new university graduates' financial management competencies and financial management behaviors. To do this, an online questionnaire survey was conducted on 500 persons who were less than 39 years old after graduating from university and worked within 5 years in northeast China. The conclusions based on the main research findings are as follows. First, the financial management attitude of Chinese northeastern new university graduates showed a high level of agreement on the importance of financial management with 4.11 points of 5 points, and the financial management knowledge level was 8.04 points (67% of correct answers) respectively. The lowest percentage of correct answers in the financial management knowledge measure was that 'when inflation is severe, people with cash are better than those who have real estate' (37.4%), suggesting that basic economic concepts such as inflation may be lacking . Also, the financial management function was 3.79 points, which was much higher than the mid - point average level. However, it was found that Chinese northeastern new university graduates have difficulties in exploring information related to financial products. Second, the financial management capacity level, which was converted to 100 out of 100, was not so high as 62.89 points. Among the sub-domains, the highest knowledge of financial management was 66.97 points. The financial management attitudes (60.87), and skills (60.82) showed similar levels. This result implies that various financial education is needed to improve the financial competencies of the new university graduates who are employed. Third, the financial management behaviors of Chinese northeastern new university graduates are divided into two factors through factor analysis: 'future-oriented' and 'expenditure-planned spending' financial behavior factors. With 3.55 points for 'future-oriented' and 3.86 points for 'expenditure-planned spending', which are far above the normal level. However, among the questions of the future-oriented financial behavior measurement, the 'investment behavior on stocks or funds' was 2.90, which was below the normal level. And among the questions of the expenditure-planned financial behavior measurement, periodically checking their financial status (3.67 points) was the lowest. In order to improve the level of financial management by correcting the financial management behavior, it is necessary that the education for financial management focusing on the functions that can be applied in real investment as well as the concept of stock and fund investment in financial education, It is necessary to have education that focuses on making it available. Fourth, financial education has a significant positive effect on financial management attitudes, knowledges and functions, which were the sub-areas of financial management competencies, including financial management behaviors. These results suggest that financial education plays an important role in enhancing the financial management competencies and behaviors of new university graduates. Fifth, financial management competencies and financial management behaviors are influenced by socio-demographic factors and economic factors such as age, education level, and debt. In other words, the group over 30 years old showed higher level than those under 30 years of age, and the group with higher education level, the group in the absence of debt showed higher level than other groups. In particular, in the case of financial management behavior, the level of financial management behavior was significantly lower in the case of the civil servant/profession than in the other occupation, because the income level of the occupational worker was relatively high and the necessity of financial management was relatively small . Based on the above conclusions, the policy suggestions to improve the financial management competencies and financial management behaviors level of new university graduates are as follows. First, it is possible to consider incorporating financial education into the formal education curriculum at the university. The results of this study suggest that financial education has a positive effect on the level of financial management competencies well as financial management behaviors. Second, it is a way to realize financial education through job education. In this case, it would be very effective to run a differentiated education program considering age, occupation, and education level. Third, it is important for financial companies to provide processed financial information for financial consumers so that they can compare and analyze financial products themselves. In addition, it is necessary to maximize the educational effects by providing clear information when consulting at financial counters for financial consumers. Financial education of financial companies is required because practical education is most effective when it is needed. ，韩语毕业论文，韩语论文题目 |
