• KDI Journal of Economic Policy
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• 제26권1호
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• pp.105-140
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• 2004

Korea is entering the class of aging population nations. This paper investigates the extent demographic factors and the aging population affect the saving rate, using an extended life-cycle/permanent-income hypothesis on saving. The results of the tests with Korean household survey data from 1977 to 2002 reveal that real saving rates increase when the duration of lifetime and per household real disposable income rise, and decrease when the growth rate of income and net worth-to-GDP ratio rises. The growth rate of per household real disposable income has negative effects, suggesting that households calculate their life cycle income in a forward looking manner. The elasticities with respect to a change in the lifetime horizon and the growth rate of per household income are 0.58 and -0.03, respectively. A one percent rise in the net worth to GDP ratio reduces the saving rate by 0.3 percent. A one percent rise in per household income increases it by 0.33 percent. The younger-age and the elder-age dependency ratios have insignificant effects on the household saving rate behavior. When Korean life expectancy rises, the private saving rate declines modestly and the government saving rate declines substantially. The economy's real net saving rate declines from 33 percent in 2002 to 30 percent by the year 2030.

• 가정과삶의질연구
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• 제1권2호
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• pp.59-73
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• 1983

The purpose of this study is to establish the family economy planning in the side of economic welfare and to discuss its problems. Hypothesis testing and survey analysis whether nuclear family have been formed in the urban communities or not are investigated. Also, survey of family economic period are classified in the following manner. First, as the beginning of family, they are interested in savings, children's education and investment of an estate. Third, as the contracting period of family, they rely upon other's financial supports. Therefore, it is desirable for each family to establish family life cycle planning. As the results of hypothesis testing, 1) Nuclear family have been formed in urban communities. 2) The age of housewives is not concerned with whether their husband's parents live in the same house or not. 3)The age of housewives is not concerned with whether their parents lived with them or not. 4) The relationship between the age of housewives and monthly income is not significant. 5) The relationship between the age of housewives and monthly expenditure is significant. 6)The relationship between the age of housewives and monthly savings is not significant.

• 지역연구
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• 제34권1호
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• pp.49-60
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• 2018

본 연구의 목적은 청년 1인 가구 증가와 함께 나타나는 주거 문제의 원인을 분석하는 것이다. 본 연구에서는 생애 주기 가설을 기반으로 주택 수요 함수를 추정하였다. 추정 결과, 청년 1인 가구의 주택 수요와 항상소득 잔차로 인한 주택 수요가 다른 집단에 비해 유의미하게 낮게 나타났다. 이는 청년 1인 가구의 주택 소비에 항상소득이 충분히 실현되지 못하고 있으며, 이를 뒷받침할 금융 시장의 역할이 미비함을 의미한다. 본 연구에서는 항상소득 실현의 어려움과 주택 금융 부족을 청년 1인 가구 주택 수요 불균형 현상의 원인으로 분석하였다. 따라서 청년 1인 가구의 주택 문제를 해결하기 위해 항상소득과 현재 주택 수요의 균형을 유도하는 정책이 도입되어야 한다.

• International Journal of Human Ecology
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• 제17권2호
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• pp.31-42
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• 2016

We examine the self-control problems of U.S households and their effects on households' retirement preparedness based on the Behavioral Life-Cycle Hypothesis. Using the 2010 Survey of Consumer Finances dataset, the level of retirement adequacy was estimated with income replacement ratio (IRR), and only 42% of households were adequately prepared for retirement. Results from logistic regression analysis indicated that households with loan payment and saving self-control problems were less likely to be prepared adequately for retirement compared to those without such problems. Age, education, race/ethnicity, marital status, employment status, retirement plans, expected retirement age and risk tolerance were significantly related to retirement preparedness. This study provides financial educator and researchers with suggestions on how to help household make a better retirement plan.

• 한국사회복지학
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• 제61권1호
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• pp.323-357
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• 2009

본 연구는 고령자 노동지위가설과 사회적 지위획득모델의 한계를 보완하고 통합하여, 노후 노동지위에 미치는 생애과정의 메커니즘을 조명하였다. 분석결과 첫째, 60세 이상 남성근로자의 노동지위는, 직종은 대부분이 농어업이거나 단순노무직이고, 고위직 (준)전문가는 소수에 불과하였다. 종사상 지위도 상용직과 고용주는 4.4%에 불과한 반면, 약 70%가 임시일용직과 자영업이며, 약 60%는 연 천만원 이하의 저임금근로자였다. 대부분의 고령자는 노후에도 고위직을 유지한다는 노후풍요가설이 적용되는 경우는 소수에 불과함을 말해준다. 둘째, 약 20%가 5천만원 미만의 재산을 가지고 있는 반면, 9.3%는 6억 이상의 재산을 소유하여 격차가 크다. 노후풍요가설처럼 대부분의 사람이 노후에 필요한 적절한 부를 축적하였다고 보기 어렵다. 그리고 재산은 교육수준에 따라 차이가 커서, 부의 축적은 사회적 지위획득모델이 더 적절한 것으로 판단된다. 셋째, 교육수준에 따라 생애노동경력뿐 아니라, 노후 노동지위가 달랐다. 넷째, 경로분석결과, 교육수준은 생애노동경력과 재산을 매개로 노후 노동지위에 영향을 미쳤다. 즉, 교육수준이 낮은 사람은 생애노동경력이 불안정하고, 재산이 적으며, 노년에도 일은 하지만 저임금, 낮은 사회적 직종, 불안정한 고용형태에서 근무하였다. 생애불평등이 노년에도 지속됨을 보여주는 것이다. 따라서 교육기회의 불평등과 비정규직과 영세자영업 확산을 축소시키고, 불안정 고용이 덫이 되지 않도록 제반 여건을 마련해야 한다.

• Human Ecology Research
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• 제58권2호
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• pp.255-266
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• 2020

This study observed and investigated the commute time of dual-earner couples from a family developmental perspective. It tested whether the household responsibility hypothesis was effective in explaining the gender gap in the commute time for these couples. I extracted 2,103 time diaries written by 1,266 matched couples from the 2014 Korean Time Use Survey data for this study. The sample was categorized by the age of the eldest child into four age groups of 0-6, 7-12, 13-18, and 19-29. Analytic results from ANOVA, Scheffé test, and OLS regression are as follows. First, husbands traveled longer hours to work than wives in all age groups, while the commute time of couples tended to increase along with the child' age. However, couples in the child group aged 7 to 12 had the shortest commute time. Second, domestic labor time of wives were negatively associated with the commute time, which appeared to support the household responsibility hypothesis. Third, in the child group aged 7 to 12, wives spent more time for work commute as their income increased; however, wives with traditional gender role attitudes had a shorter commute time in the child group aged 0 to 6. Forth, neither the wives' nor husbands' work characteristics were related to the wives' commute time; however, both wives' and husbands' work characteristics were related to the husbands' commute time. The findings suggest the possibility of spatial entrapment by working wives throughout the family life cycle due to household responsibilities, which provides implications for policy intervention in consideration of the gender gap in commute time for dual-earner couples.