노후생활 보장을 위한 역저당제도의 잠재수요 특성 분석

다국어 초록 (Multilingual Abstract)

The reverse mortgage program has been recognized as a financial security tool in later life, and it is planned for the elderly who are often house-rich but cash-poor. The interest and importance are growing as the aging population has been increasing. The purpose of this study is to analyze the potential demand of the elderly for the reverse mortgage program. To meet the research goals, this research is to investigate the perception of the revere mortgage program, to illustrate the characteristics of the elderly with latent demand for the program, and to find out factors affecting the choice for the particular program. The main method used in the study is a questionnaire survey, and the research is conducted in Seoul, a metropolitan city and Gongju, a local city. The survey participants are largely divided into two groups: middle-aged people and the elderly, and 1,079 responded questionnaires are used in data analysis. Five hundred thirty nine respondents are senior citizens, and five hundred thirty eight respondents are middle-aged. According to locality, six hundred ninety four responses are from Seoul while three hundred eight five from Gongju. The collected data are analyzed by using SPSS, and cross-tabs and logit regression are utilized. The research found that the potential consumers who are qualified for the reverse mortgage program has been gradually increasing. The number of respondents who are owner-occupied over 20 years has been in a steady growth, and it's implied that the revere mortgage has the strong potential demand. Another finding is that the respondents who have higher living expenditure than income are likely to use the reverse mortgage program. It is noted that the program is likely to be chosen by those who are middle-aged. Also, those living in a metropolitan city are likely to utilize the program. Therefore, the reverse mortgage program has been introduced quite recently, but the potential demand is sizable. As with the increasing interest and importance of the program, it is predictable that the elderly see the alternative fmancial tool as adequate and appropriate. The program is particularly useful and widely adopted for the elderly who are currently middle-aged, own a home, live in metropolitan areas, and have higher living expenses.