Economic Preparations for Aging of the Middle and Old-Aged and Their Determinants

중.고령자의 경제적 노후준비와 결정요인

The purpose of this study is to analyse economic preparations for aging of the middle and old-aged and their determinants empirically, and then to discuss the findings and implications for the results of analysis. Data from The Social Statistics Survey conducted by Korea National Statistical Office are used in this study. From this dataset, 18,354 Middle and Old Citizens aged between 45 and 59 were selected for this study. The Conceptual framework for this study was based on Andersen's behavioral model and logistic model was used to investigate factors that affect economic preparation for aging. The results of this study can be summarized as follows. First, Proportion of middle and old citizen with no economic preparation for aging was high, and old-aged had lower level of economic preparation for aging than relative less aged. Second, male, education level, marital status, economic activities, recognition of present income, housing ownership, residental location, and total life condition improvement is positively and statistically significantly associated with economic preparations for aging. Third, while male, age, and economic activities is negatively and statistically significantly associated with private economic preparations for aging, education level, recognition of present income, and total life condition improvement is positively and statistically significantly associated with private economic preparations for aging. Fourth, while male, education level, marital status, economic activities, recognition of present income, housing ownership, residental location, and total life condition improvement, expectation of future income is positively and statistically significantly associated with secondary economic preparations for aging, age is negatively and statistically significantly associated with secondary economic preparations for aging.

본 연구의 목적은 중 고령자의 경제적 노후 준비와 그 결정 요인을 분석하고, 이를 바탕으로 정책적 함의를 도출하는 데 있다. 분석자료는 통계청의 2007년 사회통계조사자료로서 이 조사에 포함되어 있는 45세에서 59세 사이의 중 고령자 18,354명을 분석대상으로 삼았다. 연구의 개념체계는 Andersen 모형에 기반했으며, 경제적 노후준비에 미치는 요인을 logistic 분석을 이용하여 찾고자 하였다. 분석결과는 다음과 같다. 첫째, 경제적 노후준비가 전혀 안된 중 고령자의 비율이 상당히 높고, 나이가 들수록 오히려 경제적 노후준비를 하지 않은 비율은 높다. 둘째, 남성, 교육수준, 결혼상태, 경제활동, 현재소득인식, 주택소유, 거주지역, 전반적 생활여건은 경제적 노후준비에 긍정적인 영향을 미친다. 셋째, 남성, 연령, 경제활동은 사적 경제적 노후준비에 부정적인 영향을 미치지만, 교육수준, 현재소득인식, 전반적 생활여건향상은 사적 경제적 노후준비에 긍정적인 영향을 미친다. 넷째, 남성, 교육수준, 결혼상태, 경제활동, 현재소득인식, 주택소유, 거주지역, 전반적 생활여건향상, 장래소득기대는 부수적 경제적 노후준비에 긍정적 영향을 미치고, 연령은 부수적 경제적 노후준비에 부정적 영향을 미친다.