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홍중구(Joong-ku Hong),손재영(Jae-young Son) 건국대학교 부동산도시연구원 2017 부동산 도시연구 Vol.9 No.2
고령화는 인구구조 변화와 함께 국가 경제환경에 미치는 영향도 크다, 인구구조 변화는 생산가능 인구의 감소로 이어져, 노인가구에 대한 부양문제를 부각시키고 있다. 경제적 측면에서 노인가구는 근로소득의 감소로 가계 재무 관리의 어려움을 겪게 된다. 근로소득의 감소분은 공적,사적 이전소득과 함께 보유자산을 통한 소득으로 일부 보완되고 있다. 증가하는 중고령가구의 재정적 건전성 확보는 국가 경제안정에 미치는 영향도 크다. 본 연구는 중고령가구의 가계수지 건전성 여부에 따른 인구학적, 경제적요소 차이를 확인하고, 경제적요소가 가계수지 건전성에 미치는 영향을 분석하였다. 분석 결과 자산요소에서 부동산자산과 부채는 가계재정수지 건전성에 음(-)의 영향을 미치고 있으며, 총소득과 금융자산은 가계재정수지 건정성에 양(+)의 영향을 미치고 있다. 이는 가계재정수지 건전성 확보를 위해서는 보유자산의 유동화가 중요하다는 것을 시사하고 있다. Ageing, along with changes in the population structure, has a great impact on the national economic environment. Changes in the population structure leads to a decrease in the working-age population, bringing about the problem of supporting the aged households. For the aged household, household financial management is more important due to the reduction in earned income. Decrease in earned income is somewhat supplemented by income from asset management as well as public and private transfer income. This study attempts to find out a difference in demographical and economic elements according to financial balance of middle-to old-age households and to analyze the effect of the economic element on the soundness of household financial balance. Results of analysis showed that real estate assets and debts had a negative effect on the soundness of household financial balance and that total income and financial assets had a positive effect on the soundness of household financial balance. This suggests that the liquid asset is important to secure the soundness of household financial balance.
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홍중구(Hong Joong Ku),손재영(Son Jae Young) 한국주거환경학회 2016 주거환경(한국주거환경학회논문집) Vol.14 No.4
Interests in middle-and advanced-age households are mounting due to the rapid aging of our society. Their proportion in total households is on the increase, and their consumption is gradually exerting an increasing effect on the home market. Accordingly, this study attempted to analyze influences on household consumption such as the income element, the asset element and the demographical element by dividing the households of houesholders aged above their 50s by age group. As a result, it was found that earned income as the income element had the greatest effect on household consumption. But there was a difference in income from real estate and financial income according to the age group. Income from real estate had the greater effect on consumption expenditure on non-durable goods than financial income, whereas financial income had a greater effect on consumption expenditure on social participation than income from real estate. The households of the householders ranging from 50 to 64 years had a significant negative value in both consumption on non-durable goods and on social participation in terms of transfer income(both private and public), and the households of those aged above 75 years had a significant positive value. And property assets had a much greater effect on household consumption than financial assets in terms of the asset element. This study has the following implication : Retired hoseholders would need jobs for earned income. So there is a need to change the direction of assets from property assets occupying most of the assets of middle- and advanced-age households to financial income in order to revitalize their consumption on social participation. And the social-security policy for the elderly would be more effective for the super-aged household. The consumption of middle- and advenced-age households would contribute to the development of national economy by revitalizing the home market.
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