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고령층의 재정 상태 분석 : Analysis of the finanacial status of the elderly
특수직역연금 수급여부와 공적연금 수급여부를 중심으로 비교
DC Field | Value | Language |
---|---|---|
dc.contributor.advisor | 김상헌 | - |
dc.contributor.author | 송혜경 | - |
dc.date.accessioned | 2019-10-18T19:09:05Z | - |
dc.date.available | 2019-10-18T19:09:05Z | - |
dc.date.issued | 2019-08 | - |
dc.identifier.other | 000000157132 | - |
dc.identifier.uri | https://hdl.handle.net/10371/161802 | - |
dc.identifier.uri | http://dcollection.snu.ac.kr/common/orgView/000000157132 | ko_KR |
dc.description | 학위논문(석사)--서울대학교 대학원 :행정대학원 행정학과(행정학전공),2019. 8. 김상헌. | - |
dc.description.abstract | The purpose of this study was to examine the financial status
of the elderly in an aging society. In this study, I obtained KLoSA(Korean Longitudinal Study of Ageing) panel survey data from the second(2008) to the sixth(2016). I divided the group into the - 80 - special pension recipients(1,151) and the non-recipients(26,385), the public pension recipients(7,972) and the non-recipients(19,564). The difference in income, consumption, and assets between pensioners and non-pensioners was analyzed through descriptive statistics analysis and t-test. And the effect of pension status on financial status was analyzed by multiple regression analysis. In addition, inequality was confirmed by the Gini coefficient in the financial status of pensioners and non-pensioners. The results of this study were as follows. First, pensioners differed in terms of financial status from non-pensioners. There were significant differences between the groups in total income, total consumption, total assets, real estate assets, and financial assets between the special pensioners and non-pensioners. Earned income was added between public pensioners and non-pensioners. Second, in the case of pensioners, the factors affecting the financial status were gross income(+) and earned income(-). Third, the inequality of assets in pensioners and non-pensioners was confirmed. Previous studies have shown that savings are reduced when there is a pension, but in this study, pensioners are characterized by higher asset income and asset level than non-pensioners. There is a need to consider the asset side in policy approaches to the elderly 's retirement preparation. | - |
dc.description.abstract | 본 연구에서는 고령사회를 맞이하여 고령층의 재정 상태를
살펴보고자 하였다. 이에 있어서 특수직역연금수급자(1,151명)와 비수급자(26,385명), 공적연금수급자(7,972명)와 비수급자(19,564명) 로 집단을 나누었다. 연금 수급자와 비수급자 간 소득, 소비, 자산 수준의 차이를 기술통계분석, t검증을 통해 살펴보았고, 연금 수급 여부가 재정 상태에 미치는 영향을 다중회귀분석 하였다. 또한, 연 금수급자와 비수급자의 재정 상태에 있어서 지니계수를 통해 불평 등성과 추이를 확인하였다. 고령화연구패널조사 2차(2008년)에서 6차(2016년)까지의 자료 를 분석한 결과, 다음과 같은 결론을 얻었다. 첫째, 연금수급자는 비수급자와 재정 상태에 있어서 차이가 있었다. 특수직역연금수급 자와 비수급자 간에는 총소득, 총소비, 총자산, 부동산자산, 금융자 산 항목에서 집단 간의 유의한 차이를 보였고, 공적연금수급자와 비수급자 간에는 근로소득이 추가되었다. 둘째, 연금수급자의 경우 재정 상태에 영향을 미치는 요인은 총소득(+)과 근로소득(-)이었 다. 셋째, 연금수급자와 비수급자에 있어서 자산의 불평등성을 확 인할 수 있었다. 기존 연구에서는 연금이 있을 경우 저축이 감소함을 보이고 있으나 본 연구에서는 연금수급자는 비수급자에 비해 자산소득과 자산수준이 높은 특징을 가지고 있었다. 고령층의 노후 준비와 관 련한 정책적 접근에 있어서 자산 측면을 고려할 필요성이 있다. | - |
dc.description.tableofcontents | 제 1 장 서론 ································································· 1
제 1 절 연구의 배경 및 목적 ············································ 1 제 2 장 이론적 논의 및 선행연구 검토 ··············· 3 제 1 절 이론적 논의 ····························································· 3 1. 가계 재정 관련 이론 ··························································· 3 2. 공적소득보장과 공적연금의 특성 ····································· 4 제 2 절 선행연구 검토 ······················································· 9 1. 가계 재정과 공적연금 관련 선행연구 ····························· 9 제 3 절 기존 연구와의 차별성 ········································ 16 제 3 장 연구의 설계 ················································· 17 제 1 절 연구문제 및 변수의 설정 ································· 17 1. 연구문제 및 가설 ································································ 17 2. 변수의 설정 ·········································································· 19 3. 연구의 분석틀 ······································································ 24 제 2 절 분석모형의 구성 ·················································· 25 1. 분석자료 ················································································ 25 2. 분석대상 ················································································ 27 3. 분석방법 ················································································ 27 4. 분석모형 ················································································ 29 제 4 장 분석결과 ······················································· 31 제 1 절 기술통계 분석 ······················································· 31 1. 인구사회학적 특성 비교 ····················································· 3 1 2. 재정 상태 비교 ··································································· 36 - iv - 제 2 절 다중회귀 분석 ······················································· 42 1. 특수직역연금수급자 재정 상태의 영향요인 ··················· 42 2. 공적연금수급자 재정 상태의 영향요인 ··························· 53 제 3 절 불평등도 분석 ······················································· 64 1. 재정 상태 불평등도 분석 ··················································· 64 제 5 장 결론 ································································ 73 제 1 절 연구결과 및 시사점 ············································ 73 참고문헌 ········································································ 76 Abstract ········································································ 79 | - |
dc.language.iso | kor | - |
dc.publisher | 서울대학교 대학원 | - |
dc.subject | 고령층 | - |
dc.subject | 재정 상태 | - |
dc.subject | 특수직역연금 | - |
dc.subject | 공적연금 | - |
dc.subject | 불평등 | - |
dc.subject.ddc | 350 | - |
dc.title | 고령층의 재정 상태 분석 | - |
dc.title.alternative | Analysis of the finanacial status of the elderly | - |
dc.type | Thesis | - |
dc.type | Dissertation | - |
dc.contributor.AlternativeAuthor | Song, Hye-kyoung | - |
dc.contributor.department | 행정대학원 행정학과(행정학전공) | - |
dc.description.degree | Master | - |
dc.date.awarded | 2019-08 | - |
dc.title.subtitle | 특수직역연금 수급여부와 공적연금 수급여부를 중심으로 비교 | - |
dc.identifier.uci | I804:11032-000000157132 | - |
dc.identifier.holdings | 000000000040▲000000000041▲000000157132▲ | - |
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