단독가구의 부채 유형이 가계재정만족도에 미치는 영향

• 영문명: A Study on Financial Satisfaction by the Type of Household Debt of Elderly Single Households
• 발행기관: 한국소비문화학회
• 저자명: 김시월(Kim, Si-Wuel) 조향숙(Cho, Hyang-Sook)
• 간행물 정보: 『소비문화연구』제17권 제1호, 157~178쪽, 전체 21쪽
• 주제분류: 사회과학 > 사회과학일반
• 파일형태: PDF
• 발행일자: 2014.03.31

국문 초록

근간 고령사회 및 가족관계의 변화, 그리고 사회 환경변화는 중년과 노인 단독가구의 심리 상태, 객관적인 경제 상태에 대한 실태파악과 보다 심층화된 재정문제 파악을 위하여 부채유형과 재정만족도에 관한 다양한 접근과 연구가 요구된다. 이에 본 연구는 국민연금연구원의 제4차 패널조사 자료(2011년)를 활용하여 중ㆍ고령자 단독가구의 가계부채 수준, 부채 유형과 재정 만족도 수준을 알아보았으며, 부채유형이 가계재정만족도에 미치는 영향을 살펴보았다. 분석 결과, 첫째, 전체 중ㆍ고령자 단독가구의 평균 총부채는 6,293천원이었으며, 부채의 유형별로 살펴보면 금융기관 부채가 약 57.7%로 가장 많았고, 전세금, 임대보증금 받은 것 31.4%, 비금융기관 및 사채 8.4%, 기타 2.5% 순으로 나타났다. 둘째, 부채와 가계재정만족도의 인과관계를 살펴본 결과, 중년 단독가구의 경우 금융기관 부채와 비금융기관 및 사채의 경우 부적효과를 보이고, 전세금, 임대보증금 받은 것은 정적인 효과를 보였다. 반면에 노인 단독가구의 경우 금융기관부채는 총효과에서는 정적인 효과를 보여 중년과 차이를 보였다. 이러한 연구결과는 동일한 부채라도 부채 유형에 따라 중ㆍ고령자 단독가구에 미치는 효과가 달라, 각기 다른 접근 방식으로 정책이나 교육 방안을 모색해야 함을 함의한다.

영문 초록

Now, it is being fundamental changes in the aging society and family relationships, and social and environmental change and health psychology of the middle-aged and elderly single households, the objective economic conditions and a more in-depth understanding about the situation tues understand the financial issues and financial satisfaction for the debt burden on the various approaches and research is required. And specially, it is need to analysis the effective factors on financial satisfaction by the type of household debt of the middle-aged and elderly single households. And so, the purpose of this study is analyse the household debt pattern of the elderly alone households, to finding out the type of debt of the elderly alone households, analyse the financial satisfaction level of the elderly single households, and the financial liability of the causal relationship satisfaction of the elderly single households. And for the this purpose KReIS (2011)data was used. The result of this research was follows; First, the total debt of elderly single households was 6,293 thousand won, and the type of debt was approximately 57.7% at the financial institution most common type, rental deposits, a personal debt, and so on. In contrast, the income of elderly households debt alone (DTI) examining the results of the 1.5 total household debt held by households was 10.5. Debt income ratio greater than three times the debt classified as vulnerable households considering a recent study, the debt of households was very high debt. In addition, the elderly alone, in order to examine the burden of household debt to disposable income on debt payments a result of examining the 3.11% total household debt as households showed a 25.32%, of all households had a 13.9% share of household debt. Second, household debt and the financial results of examining the causal relationship between satisfaction, in the case of a middle-aged single households and non-financial institutions and financial institutions debt in the case of four amulets showing the effect, rental fee, rental deposits received is a static effect. Elderly households on the other hand, if the total effect of financial liabilities are shown in the middle-aged and effect of static differences. These findings have the same liability, depending on the type of debt, the different effects on the elderly single households, with different approaches and educational policy implications that you should be looking for ways.

목차

요약

Ⅰ. 서론

Ⅱ. 선행연구 고찰

Ⅲ. 연구문제 및 방법

Ⅳ. 연구결과 및 해석

Ⅴ. 결론 및 제언

참고문헌

Abstract

키워드

중ㆍ고령자 단독가구 가계부채 부채 유형 가계재정만족도 elderly person elderly single household household debt types of household debt financial satisfaction