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청년층의 저축 행태가 자립과 미래 지향적인 생각에 미치는 영향: 잠재집단분석을 중심으로
한연수,조민효 한국정책분석평가학회 2023 政策分析評價學會報 Vol.33 No.3
This study classified young adults’ saving patterns into three clusters by using Latent Class Analysis : Low Savers, High Savers, and Irregular Savers. Those three clusters showed different characteristics in terms of demographic and economic factors. When it comes to savings effect, High Savers showed greater tendency towards independence and future-orientation compared to Low Savers. However, Irregular Savers, while more likely to have career plans compared to the Low Savers, did not show statistically significant differences in terms of independence and stress about future uncertainties. Based on these results, several policy implications can be suggested for asset-based welfare policies. First, different strategies customized for each policy participant should be employed, considering their specific saving patterns. Second, asset-based welfare policies should be connected with various other policies for comprehensive and sustained asset formation. Finally, qualitative improvement, such as financial education, should be provided.