With the continuous upgrading of network technology and the gradual maturity of network environment, modern society provides good conditions for the modernization and information development of financial industry. Based on this, the modern development model of Internet plus finance is being built and improved, and has an impact on all aspects of people's life and production. With the Internet platform as the carrier, it is relatively convenient for consumers to purchase financial products and services, and the transaction cost is low, which fully meets the capital needs of small and medium enterprises, stimulates market transactions, and increases the transaction scale. Therefore, the Internet can play a key and important role in the rapid development of the financial industry. However, due to the relatively complex and risky Internet financial market, Chinese government lacks legal protection and financial supervision for the Internet financial consumers. Illegal activities such as false publicity, personal information disclosure and fraud occur frequently on Internet financial platforms, and the interests and rights of Internet financial consumers cannot be guaranteed absolutely . These financial consumers are the main participants in the development of the industry and the driving force of market development. This paper mainly uses literature review method and comparative research method to study how to improve the protection of consumer rights and interests and maintain the healthy and stable development of the financial market. So that consumers can achieve their interests under the development of the industry, and their interests can be guaranteed absolutely .Finally, it is concluded that it is necessary to combine the characteristics of the Internet industry to formulate relevant consumer rights and interests protection laws and establish its related legal system. Chinese government Should be fully learn from advanced development models and ideas of other countries. Finally, combined with its own development trend and current situation, improve the supervision of financial institutions.

본 논문은 가정간편식(Home Meal Replacement, HMR) 이용경험과 만족도가 HMR 구매확대의향에 미치는 영향을 분석하는 데 목적이 있다. 이를 위해 2021년 실시한 가공식품 소비자태도조사(온라인조사) 데이터를 사용하였다. 분석 결과 HMR 이용 경험이 많을수록 향후 HMR 구매확대 가능성이 높은 것으로 나타났다. HMR에 대한 요인별 만족도의 경우, 맛과 편의성에 대한 만족도가 높을수록 HMR 구매의향이 높은 것으로 분석되었다. 따라서 식품 제조사와 유통사들은 특히 맛과 편의성에 대한 만족도를 중점적으로 높이기 위해 제품 개발 및 마케팅 전략을 수립할 필요가 있다.

목적: 소비자를 대상으로 안경사 직업에 대한 인식 현황을 조사하였으며, 안경사의 전문성을 강화하기 위한 방법과 기초자료를 제공하고자 하였다. 방법 : 본 연구의 취지와 자료수집에 동의한 일반인 624명을 대상으로 안경사 제도, 업무범위 및 전문성과 관 련된 설문조사를 수행 및 분석하였다. 결과 : 본 연구에 참여한 대상자가 생각하고 있는 시기능검사에 적합한 장소는 대부분 “안경원”인 것으로 파악 되었으며, 시기능검사를 수행하기에 적합한 사람은 주로 “안경사”로 답변한 것으로 확인되었다. 안경사가 전문성 을 가지기 위해 가장 필요한 것에 대해서는 “안과의사와 비교했을 때 유사한 수준의 전문성”으로 답변한 대상자가 가장 많았으며, 다음으로 “사회적으로 인정받을 수 있는 신뢰도와 책임감”으로 확인되었다. 전문의와 같은 분야별 안경사 양성에 대해서는 “눈과 관련된 전문적인 서비스를 받을 수 있을 것 같아서”의 이유로, 대상자 대부분이 “찬 성”하는 것으로 확인되었다. 결론 : 안경사가 토털 아이 케어 전문가로 거듭나기 위해서는 안과의사와 유사한 수준의 전문성 함양이 요구되 며, 소비자가 요구하는 안경사의 전문성을 확보하고, 미래지향적인 발전 방안을 마련해야 할 중요한 시기로 판단 된다

Various non-face-to-face services are being activated due to the influence of the Corona 19 virus around the world. However, unlike the rapid development of delivery services, social awareness of delivery services is causing many problems. Therefore, in this study, we analyze the quality attributes of delivery services from the consumer's point of view, and based on the results, we try to derive a direction for service improvement. In this study, quality factors were established through interviews and surveys with actual consumers, and quality attributes were classified through the Kano model and Timko’s customer satisfaction coefficient. “Attractive” is (‘Ease of ordering, Accurate delivery to the designated place’), “One Dimensional” is (‘Variety of payment methods, Accurate delivery on time, Accurate delivery of ordered food, Degree of non-deformation of packaging conditions, etc., Convenience of use time’), “Must be” is (‘Kindness of the delivery person’), “Reverse” is (‘provision of services, service response to order discrepancies’). This study has academic significance in that it compensated for the disadvantage of not being able to interpret the mathematical meaning of the Kano model with Teamco’s customer satisfaction coefficient. It also has practical implications in that it provides an indirect clue to future improvement directions.

Since radon was detected in mattresses of famous bed furniture brands in 2018, the nuclear safety and security commission (NSSC) announced the radiation safety management act in April 2021 to protect the public health and environment. This act stipulates the safety management of radiation that can be encountered in the natural environment such as the notification of radioactivity concentration of source materials, process by-products, the installation and operation of radioactive monitors. In this study, a model was established to predict radioactive exposure dose from radioactive materials such as radon and uranium detected in consumer products such as bed mattresses, pillows, shower, bracelets and masks in order to identify major radioactive substances that largely affect the exposure dose. A period of seven years from 2014 to 2020 was investigated for the source materials and exposure doses of consumer products containing naturally occurring radioactive materials (NORMs). We analyzed these using machine learning models such as classification and regression tree (CART), Random Forest and TreeNet. Index development and verification were performed to evaluate the predictive performance of the models. Overall, predictive performance was highest when Random Forest or TreeNet was used for each consumer product. Thoron had a great influence on the internal exposure dose of bedding, clothing and mats. Uranium had a great influence on the internal exposure dose of other consumer products except whetstones. When the number of data is very small or the missing value rate is high, it is difficult to expect accurate predictive performance even with machine learning techniques. If we significantly reduce the missing value rate of data or use the limit of detection value instead of missing values, we can build a model with more accurate predictive performance.

The development of ICT technology has created new channels for product sales and promotion, which not only make information accessible to customers as easy as possible, but also provide consumers with much more absolute and comparative information. Modern consumers are exposed so many shopping channels currently, especially mobile-based channels have grown significantly and have become the center of the market. It is true that mobile shopping has led the growth of overall online shopping with the recent development of mobile devices such as smartphones and related software. The importance of strengthening corporate competitiveness and mobile-based management strategies through on line channels continues to increase. At this point, this study attempted to investigate the influencing factors by focusing on the entire distribution channel and mobile shopping channels. As most of previous studies were focused on Internet shopping malls or specific channels, So the research on mobile channels can be judged to be timely and appropriate. Furthermore, it can be said that mobile shopping channels are now presenting empirical implications. In conclusion, it provides practical implications to examine the management strategy of mobile shopping channels from the perspective of consumer value.

우리나라에서 소비자라는 용어가 최초로 사용된 시점을 정확히 파악하기는 어렵지만 과거 신문기사를 통해 1800년대 후반에 이미 사용하였음을 알 수 있다. 본 연구는 소비자 관련 키워드의 트렌드를 분석하고 자 100년간의 신문기사를 수집하여 텍스트마이닝 분석을 수행하였다. 연대별로 소비자 관련 이슈가 무엇 이었고 어떤 사건과 연관성을 갖는지 실증적으로 탐구하는데 초점을 두었다. 분석 대상은 1920년부터 2019년까지 신문기사에 등장한 소비자 관련 기사 31,085건이며 분석 방법으로는 빈도분석과 네트워크분 석을 사용하였다. 분석 결과, 연대별로 최빈 단어 결과에서 차이가 뚜렷하게 나타났다. 이는 연대별 시대상 황과 그에 따른 소비자 관련 이슈가 연관되어 있기 때문인 것으로 판단된다. 다음으로 연대별 최빈 단어 결과를 바탕으로 소비자 개념의 변화 시기를 구분하였다. 본 연구는 100년이라는 기간 동안의 기사를 대상으로 분석함으로써 소비자 관련 키워드와 우리나라 근현대사의 역사적 사건들과 연관성을 파악하였 다는 데에 의의가 있다.

This study analyzed the effects of fashion creators’ innovativeness and attractiveness on consumer response and orientation toward a sustainable relationship in personal media. A survey was conducted with consumers aged in their 20s and 30s who had experience in sharing video content or writing comments and participating in fashion creators’ real-time broadcasting of personal media. The results show that the innovativeness of fashion creators was classified into originality, opinion leadership, variety, and adventurous spirit, while attractiveness was classified into physical, social, and professional attractiveness. Consumer responses were classified into either emotional or cognitive responses, and sustainable relationship orientation was classified into communication, sharing, and relationship sustainability. The originality and variety of the fashion creators positively affected the emotional and cognitive responses of consumers. Adventurous spirit positively affected emotional response, whereas opinion leadership positively affected cognitive response. In addition, the social and professional attractiveness of fashion creators positively affected consumers’ emotional and cognitive responses. Emotional and cognitive responses positively affected consumers’ sustainable relationship orientation. The originality and opinion leadership of the fashion creators positively affected the three factors of sustainable relationship orientation, while variety positively affected communication and relationship sustainability. Fashion creators' social and professional attractiveness positively affected the three factors of sustainable relationship orientation, and physical attractiveness positively affected relationship sustainability. The results of this study are expected to provide useful data on the direction of fashion startups using personal media and marketing as well as distribution strategies in the fashion industry.

The aim of this study was to provide data to enable the development of skateboarding pants. From the Chinese skateboard club SNS, 126 skateboarders in their 20s and 30s were chosen to participate in a survey. Data was gathered using a questionnaire from May 14 to May 28, 2021, and then analyzed using SPSS 23. The results concerning production were as follows: clothing sizes are generally divided into six stages: XS, S, M, L, XL, and 2XL. The silhouette is wide, and most pants have e-bands and normal hems. The pants are made from cotton-blend fabric, which is mostly moistureabsorbing and quick-drying. Baggy pants are preferred by skateboarders, with cotton being the most common fabric. The crotch, knees, and buttocks of pants are the least satisfying for skateboarders. When they skateboard, their ankles sustain the most injuries, followed by their knees and wrists. In the survey of consumers’ preferences for skateboarding pants, different styles were rated in the following order: straight pant silhouette, ribbed knit and string waistband design; full-rise waist height, string hemline design; and ankle-high pants length (fit), fabric and design. The hygroscopicity and ventilation of the fabric are crucial considerations when purchasing pants. In terms of color, chromatic and pastel colors are most popular. In addition, some people expect new fibers to be used and expect protective equipment and pants to be integrated.

The purpose of this study was to evaluate cookies prepared with five different quantities (0, 5, 10, 15, and 20%) of watermelon powder (WP). This study analyzed quality characteristics, consumer liking, and CATA (check-all-that-apply) of the samples. The density and pH of the cookie dough and the L-value of the cookies tended to decrease as the amount of watermelon powder increased (p<0.05), whereas the spread factor, a-value, and hardness of the cookies tended to increase as the amount of watermelon powder increased (p<0.001). The b-value tended to increase up to WP10, but it tended to decrease from WP15 (p<0.001). The results of the evaluation of consumer liking showed that overall liking was the highest for WP5 and lowest for WP20 (p<0.05). In the analysis of the CATA survey, the main reasons for liking for all the samples were ‘Appearance’, ‘Color’, ‘Sweet taste’, ‘Nutty odor/flavor’, ‘Crispiness’, and ‘Familiarity’. WP5 showed the most diverse reasons for being liked. The common reason for disliking samples with the addition of watermelon powder was ‘Residual feel in the mouth’. In the correspondence analysis, attributes of ‘Stale taste’, ‘Clean taste’, ‘Softness’, ‘Familiarity’, ‘Moistness’, ‘Color’, ‘Blandness’ were detected in the WP0 and WP5. The results indicate that WP5 with a 5% supplementation of watermelon powder is appropriate for improving the quality and consumer acceptability of the cookies.

The purpose of this study was to estimate the influence of the determinants for home meal replacement (HMR) purchase frequency before and after COVID-19. Multinomial logistic regression was applied to the 2018~2020 Consumer Behavior Survey for Food data from the Korea Rural Economic Institute (KREI). Gender, age, number of households, monthly income, use of eating out, delivery and takeout order service, HMR food safety concern, the frequency of cooking at home, grocery shopping, and eating alone were applied as the explanatory variables to explain HMR purchase frequency. The results are as below. Compared to the previous year, the growth rate of HMR purchase frequency in 2020 was relatively high, indicating that the COVID-19 outbreak acted as a catalyst. Unlike in 2018 and 2019, there was no statistical difference in the HMR purchase frequency between single- and multi-person households in 2020, with indicating multi-person households began to emerge as one of the major HMR consumption groups. Unlike 2018, the 2020 HMR purchase frequency showed a statistically positive relationship with those of grocery shopping and eating alone. There was a positive relationship between the frequency of eating out/food delivery orders and HMR purchases. The more often cooking at home occurred, the less HMR food was purchased.

The purpose of this study is to compare short-term price predictive power among ARMA ARMAX and VAR forecasting models based on the MDM test using monthly consumer price data of frozen mackerel. This study also aims to help policymakers and economic actors make reasonable choices in the market on monthly consumer price of frozen mackerel. To analyze this study, the frozen wholesale prices and new consumer prices were used as variables while the price time series data were used from December 2013 to July 2021. Through the unit root test, it was confirmed that the time series variables employed in the models were stable while the level variables were used for analysis. As a result of conducting information standards and Granger causality tests, it was found that the wholesale prices and fresh consumer prices from the previous month have affected the frozen consumer prices. Then, the model with the highest predictive power was selected by RMSE, RMSPE, MAE, MAPE, and Theil’s inequality coefficient criteria where the predictive power was compared by the MDM test in order to examine which model is superior. As a result of the analysis, ARMAX(1,1) with the frozen wholesale, ARMAX(1,1) with the fresh consumer model and VAR model were selected. Through the five criteria and MDM tests, the VAR model was selected as the superior model in predicting the monthly consumer price of frozen mackerel.