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초록

영어

This study aims to investigate the financial soundness of Korean households and its effects on the retirement preparation of these households. The sample consisted of 1,031 households selected from the 4th Korean Retirement and Income Study (KReIS) by the National Pension Research Institute in 2012. The empirical results are as follows. According to the logistic regression model, the statistically significant factors affecting the retirement preparation of Korean households are gender, occupation type, residence, satisfaction with economic condition, and type of financial soundness—sound households or insolvency-risky households. In other words, more female-headed households and households with higher levels of occupation are less likely to prepare for retirement. The households that are more likely to prepare for retirement are those that are lived in metropolitan areas as opposed to the countryside; further, households that are more economically sound are also more likely to prepare for retirement. In particular, sound households and insolvency-risky households are less likely to prepare for retirement compared to liquidity-risky households.

목차

〈Abstract〉
 I. 서론
 II. 이론적 배경
 III. 연구방법
 IV. 연구결과
 V. 결론 및 제언
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키워드

재무건전성 건전가계 부실가계 지급불능위험가계 유동성위험가계 은퇴준비 financial soundness sound household insolvent household insolvency-risky household liquidity-risky household retirement preparation

저자

• 김순미 [ Kim, Soon-Mi | 충남대학교 소비자생활정보학과 교수 ] 주저자, 교신저자

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