금융소비자보호를 위한 공시제도의 커뮤니케이션 효과 연구 : 금융회사와 공중 간의 정보적 소통을 중심으로

Abstract

Government policymakers ask financial companies to comply with the rules of disclosure information rules in pursuit of financial consumer protection and welfare. However, it is surprising that limited research has examined the role of disclosure information in financial services promotional messages in financial customers’ decision-making, given the importance of informational interventions (e.g., disclosure information) aimed at market transparency and financial literacy in today’s financial environment. With this backdrop, based on the Economics of Information, the current research empirically investigates the relationship between disclosure information and financial customers’ attitudes towards product, perceived corporate social responsibility, and manipulative intent. Moreover, financial customers’ skepticism of financial information and financial education are incorporated in order to examine how these two factors would be able to moderate the communication effects of financial disclosure information. Results from a experimental study show that skepticism of financial information plays a moderating role in influencing financial customers’ responses while financial customers’ educational attainment does not. The authors offer public policy implications as well as practical suggestions, including whether reducing skepticism of financial information through informational interventions and enhancing financial sophistication from educational interventions are realistic for the general public in light of financial welfare.