확장된 생애주기에 따른 가계의 재무상태 비교 및 평가에 관한 연구(A Study on the Comparison and Evaluation of Households' Financial Status with Extended Life-Cycle)

34 Pages Posted: 12 Dec 2018 Last revised: 26 Mar 2019

See all articles by Kim Jihye

Kim Jihye

Seoul National University

Hyuncha Choe

Seoul National University

Jong-youn Rha

Seoul National University

Date Written: November 30, 2018

Abstract

Korean Abstract:
본 연구는 최근의 인구구조 및 사회경제적 변화를 반영한 생애주기를 바탕으로 2017년 가계금융복지조사 자료를 활용하여 가계의 재무상태를 평가해보고 재무적으로 취약한 가계를 살펴보고자 하였다.
연구결과 첫째, 1인 가구의 증가, 이혼율 증가, 자녀의 늦은 독립, 저출산 등으로 인해 나타난 다양한 가계 형태를 반영할 수 있는 확장된 생애주기가 15가지 유형으로 분류되었다. 확장된 생애주기는 전통적인 가족생애주기에서 나타나지 않았던 가계들을 포괄하여 가계의 재무상태를 실효성 있게 분석할 수 있었다. 둘째, 확장된 생애주기를 바탕으로 구체적으로 각 가계의 재무상태가 어떠한지 살펴본 결과 동일한 연령대에서도 생애주기적 사건의 유무에 따라 가계의 재무상태가 차이 있는 것으로 나타났다. 이는 재무상태를 평가함에 있어 생애주기적 요소를 반드시 고려해야 하며 연령뿐만 아니라 다양한 생애주기 특성에 따라 재무상태를 평가할 수 있는 가이드라인에 대한 연구가 필요함을 시사한다. 또한 소비자에게 재무정보를 제공할 때 생애주기 특성을 바탕으로 차별화된 재무 정보를 제공할 필요가 있음을 보여준다. 마지막으로 전통적인 생애주기 단계에 있는 가계에 비해 확장된 생애주기에서 도출된 가계들의 경우 재무 건전성과 성장성에 있어 대체로 열악한 가계로 분석되었다. 기존의 가계 정책들은 다수의 전통적인 가계에 초점을 두고 있으나 본 연구결과와 같이 최근에는 다양한 형태의 가계들이 존재하고 있으며 이러한 소수의 가계에 대해서도 생애주기 내에서 지속적인 연구가 이루어져야 할 필요가 있음을 시사한다.

English Abstract:
This study analyzes the financial status of households based on the life-cycle that reflects recent demographic and socio-economic changes. Using the 2017 Survey of Household Finances, this study compared the financial status of households in terms of financial stability and growth analyzed the financially weak households.

The results of this study are as follows: First, there are 15 types of extended(revised) life-cycle that can reflect various types of households such as an increase in single-person households, an increase in divorce rates, late independence of children, and low birthrates. The extended life-cycle was able to effectively analyse the financial status of households by encompassing the types of households that did not appear in the traditional family life-cycle. Second, based on the extended life-cycle, the financial status of each household was examined. As a result, there were significant differences in the financial structure and financial status of households according to the existence of life-cycle events in the same age group. This shows that life-cycle factors must be taken into account in assessing the financial status. There is also a need for ongoing research into guidelines for assessing financial status in terms of age as well as life-cycle. It also shows that it is necessary to provide differentiated financial information based on life-cycle characteristics when providing financial information to consumers. Finally, households derived from the extended life-cycle as compared to households in the traditional life-cycle stage were analyzed as generally vulnerable households in terms of financial stability and growth. Most household policies focus on traditional households. However, as in the present study, there are various types of households in recent years, and these non-traditional households are more likely to be financially weak. Therefore it is necessary to continue research on these few households within the life-cycle.

Note: Downloadable document is in Korean.

Keywords: Households financial status, Life-cycle stages, Financial stability and growth, Financial ratio

Suggested Citation

Jihye, Kim and Choe, Hyuncha and Rha, Jong-youn, 확장된 생애주기에 따른 가계의 재무상태 비교 및 평가에 관한 연구(A Study on the Comparison and Evaluation of Households' Financial Status with Extended Life-Cycle) (November 30, 2018). Financial Planning Review, Vol. 11, No. 4, 2018, Available at SSRN: https://ssrn.com/abstract=3299391 or http://dx.doi.org/10.2139/ssrn.3299391

Kim Jihye (Contact Author)

Seoul National University ( email )

Kwanak-gu
Seoul, 151-742
Korea, Republic of (South Korea)

Hyuncha Choe

Seoul National University ( email )

Kwanak-gu
Seoul, 151-742
Korea, Republic of (South Korea)

Jong-youn Rha

Seoul National University ( email )

Kwanak-gu
Seoul, 151-742
Korea, Republic of (South Korea)

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