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목차
제1장 서론
제2장 이론적 배경
제3장 연구문제 및 연구방법
제4장 분석결과 및 논의
제5장 결론 및 제언
- 참 고 문 헌
제2장 이론적 배경
제3장 연구문제 및 연구방법
제4장 분석결과 및 논의
제5장 결론 및 제언
- 참 고 문 헌
본문내용
rtion of risky financial assets like savings, trust, and securities, while the consumers in low assets level increased their investment proportion of safe financial assets like insurance savings and demand deposit. And all consumers increased their investment proportion of securities. so, it shows that the consumers in high assets level coped with the financial environment changes positively, while the consumers in low assets level coped with the financial environment changes negatively. To promote investment efficiency according to the financial environment changes, therefore investment information should be diversified in terms of consumer's financial assets levels, and consumers should respond to the financial environment changes appropriately by the investment strategy corresponded to their assets level.
Finally, the investment returns are different in terms of the consumers classified by assets levels. In the case of the consumer in low assets level, they increased their investment proportion of securities less than that of the consumers in middle and high assets level under the financial environment changes which experienced currency crisis at the end of 1997 and 9.11 terror and increased their investment proportion of insurance savings and demand deposit which is relatively safe financial assets. So, their investment returns rate advanced largely than that of 1995. In result, the investment returns rate of the consumers in low assets level responded negatively to the financial environment changes advanced largely, while the investment returns rate of the consumers in high assets level responded positively to the financial environment changes decreased or advanced less than that of the consumers in low assets level.
If analyze this result with the financial environment changes from 1995 though 2000, we can know that the consumers in high assets level suffered a great loss because of the fall of the stock price index from 935.9 in 1995 to 734.2 in 2000. If the stock price index had been greater than that of 1995, the consumers in high assets level responded positively to the financial environment changes have been obtainable an immense investment return, because securities like stocks have chance of the high investment returns rate but have high risk. And this fact relates to chance to enlarge width of economic imbalance among the consumers. This study shows that the consumers in low assets level responded negatively to the financial environment changes is more effective than the consumers in high assets level responded positively to the financial environment changes. But their finance state will become worse in the recovery and prosperity of trade cycle when the stock price index goes up. So, they needs education, information to help themselves understand diverse investment alternatives. That is, the program of consumer financial counseling, education, information, and service should be diversified in terms of consumer's assets level.
Finally, the investment returns are different in terms of the consumers classified by assets levels. In the case of the consumer in low assets level, they increased their investment proportion of securities less than that of the consumers in middle and high assets level under the financial environment changes which experienced currency crisis at the end of 1997 and 9.11 terror and increased their investment proportion of insurance savings and demand deposit which is relatively safe financial assets. So, their investment returns rate advanced largely than that of 1995. In result, the investment returns rate of the consumers in low assets level responded negatively to the financial environment changes advanced largely, while the investment returns rate of the consumers in high assets level responded positively to the financial environment changes decreased or advanced less than that of the consumers in low assets level.
If analyze this result with the financial environment changes from 1995 though 2000, we can know that the consumers in high assets level suffered a great loss because of the fall of the stock price index from 935.9 in 1995 to 734.2 in 2000. If the stock price index had been greater than that of 1995, the consumers in high assets level responded positively to the financial environment changes have been obtainable an immense investment return, because securities like stocks have chance of the high investment returns rate but have high risk. And this fact relates to chance to enlarge width of economic imbalance among the consumers. This study shows that the consumers in low assets level responded negatively to the financial environment changes is more effective than the consumers in high assets level responded positively to the financial environment changes. But their finance state will become worse in the recovery and prosperity of trade cycle when the stock price index goes up. So, they needs education, information to help themselves understand diverse investment alternatives. That is, the program of consumer financial counseling, education, information, and service should be diversified in terms of consumer's assets level.
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