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중년기 가계의 노후준비에 영향을 미치는 요인 : 인적자본 투자의 영향을 중심으로

원문정보

Factors Affecting Middle-aged Households’ Financial Preparation for Retirement : Focus on Human Capital Investment for Children

조경진, 김순미

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초록

영어

The aims of this study were to analyze middle-aged households’ financial preparation for retirement. Specifically, this study surveyed the relation between human capital investment for children and the middle-aged households’ financial preparation for retirement and investigated factors influencing financial preparation for retirement. Data were obtained from the 3rd Korean Retirement and Income Study (KReIS) in 2009, and a sample of 757 households was selected. The statistical methods were frequency, percentile, mean, standard deviation, χ2, t-test, Pearson’s correlation coefficient, and logistic regression analysis. The findings of this study are as follows. First, the percentile of preparation for living costs for old age was 49.9% for the middle-aged households. In terms of the types of preparation for living costs for old age, the results showed 61.6% of personal preparation, 33.9% of pension system, and 1.3% for children and relatives. In relation to the adequacy of the preparations for living costs for old age, preparations made by 57.4% of the middle-aged households were inadequate. Observing the minimum living costs for old age and adequate living costs after retirement for single and couple, the minimum living costs of the middle-aged households was 1.46 million won for couple and 0.91 million won for single. The adequate living costs for old age was 2.07 million won for couple and 1.34 million won for single. Second, there were 757 households with total education expenditure. Of these, 208 incurred annual expenditure on public education, and the annual expenditure for public education was 7.28 million won. There were 170 households with annual expenditure for private education, and the annual expenditure for private education was 2.50 million won. 243 households of middle-aged households had annual expenditure for human capital investment, including both public and private education, with annual expenditure for human capital investment for children of 7.82 million won. Furthermore, in the human capital investment factor, there was a difference in the middle-aged households’ financial preparation for retirement according to their annual expenditure for human capital investment including both public and private education. In addition, there was a difference in financial preparation for retirement based on their public education expenditure. Third, in the logistic regression model 1, which included human capital investment, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and human capital investment. In the logistic regression model 2, which included annual expenditure for public education and annual expenditure for private education, the significant variables affecting the preparation for retirement of the middle-aged households were as follows : annual household income, total amount of annual household income, experience of inadequate living costs, existence of financial assets, total amount of annual household savings, financial independence, adequate living costs (for single) for old age, and annual expenditure for public education.

목차

Abstract
 I. 문제제기
 II. 선행연구 및 관련변수고찰
  1. 우리나라 중년기가계의 실태 및 특성
  2. 중년기가계의 경제적 노후문제와 노후준비
  3. 중년기가계의 자녀에 대한 인적자본 투자와 노후준비
  4. 중년기가계의 노후준비에 영향을 미치는 요인
 III. 연구방법
  1. 연구문제
  2. 조사대상 및 측정도구
 IV. 연구결과 및 해석
  1. 중년기가계의 노후준비 실태와 필요노후생활비
  2. 중년기가계의 인적자본 투자에 따른 노후 준비 실태
  3. 중년기가계의 노후준비에 영향을 미치는 요인
 V. 결론 및 제언
 참고문헌

저자정보

  • 조경진 Cho, kyung-jin. 충남대학교 소비자생활정보학과
  • 김순미 Kim, Soon-Mi. 충남대학교 소비자생활정보학과

참고문헌

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