저소득층 자산형성사업 참여자의 저축에 미치는 영향요인에 관한 연구

다국어 초록 (Multilingual Abstract)

This study investigates determinants of saving behaviors of the Individual Development Account program participants in Korea. Data used for this article is the survey on the participants of Seoul Hope-plus Saving Account Program implemented by Seoul Welfare Foundation in 2012. This study used the hierarchical linear regression and logistic regression, in which demographic, economic, and institutional variables are added in order.
The results are as follows. When economic and institutional variables are added to the model, the proportion of variance explained increased significantly from the first block containing only participants demographic characteristics. This result implies that the savings account program has positive impacts on providing saving incentives for the participants of the program. Considering proportion of variance explained by each variable, significant variables on savings behavior are age, number of children, household income, recipient of public assistance, satisfaction of financial education. In addition, the amount of savings are influenced by gender, age, education, marital status, number of children, income, satisfaction of financial education etc. This result implies that the asset building policy has positive impacts on saving behavior of the participants, so that it should be planed more effectively to support the asset accumulation for the low-income people. In addition, it is necessary to consider to introduce Children Development Account in Korea, because number of children is positively related with savings, Finally, it is required to implement special program for promoting saving incentive for low income groups.

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