Journal of the Korean Home Economics Association (대한가정학회지)

The Korean Home Economics Association (대한가정학회)
권호 표지

Savings Accounts, Savings Insurance and Private Financial Clubs and Their Determinants

도시근로자 가계의 저축, 저축성보험, 계에 관한 연구

  • 김순미 (충남대학교 소비자생활정보학과) ;
  • 양정선 (충남대학교 소비자생활정보학과)
  • Published : 2004.09.01
Download PDF
⟨ Previous Next ⟩

Abstract

The purpose of this study was to examine the effects of household characteristics on savings account, savings insurance, and private financial clubs. Data for this study were collected from the 2001 Household Income and Expenditure Survey consisting of a sample of 1,801 salary and wage earners' households. Tobit analysis was peformed to investigate savings accounts, savings insurance and private financial clubs. The results showed that 76% of households held savings accounts, 77% savings insurance, and 12% non-institutional assets in private financial clubs. Sender, age, education, job, spouse employment, family type, location, home ownership, number of children, and family income were significant determinants of investment in savings accounts, savings insurance, and private financial clubs. Family income was the most powerful variable.

Keywords

References

  1. 김경자(2003). 가게특성에 따른 재무위험 인지와 보험료 지출. 한국가정관리학회지, 21(6), 43-51
  2. 김광석(1975). 한국가계의 저축형태. 한국개발원 연구총서. 4. 서울 : 한국개발원
  3. 생명보험협회(2003). 2003 생명보험성향조사
  4. 안승철 외(2000). 투자와 보험. 학지사
  5. 양세정, 이영호(1996). 가계저축규모의 결정요인. 대한가정학회지, 34(2), 201-215
  6. 양세정(1999). 주부취업의 가계경제적 기여도 측정. 대한가정학회지, 37(3), 27-42
  7. 양정선(1996). 가계의 위험자산과 안전자산 투자 분석 -금융자산을 중심으로-. 한국가정관리학회지, 14(3), 109-120
  8. 양정선(1997). 산술적 저량과 재무비율 측정을 중심으로 한 가계의 재정상태 분석. 이화여자대학교 박사학위논문
  9. 양정선, 김순미(2003). 가계의 인적자본 투자에 관한 연구 -사교육을 중심으로-. 대한가정학회지, 41(5), 221-232
  10. 유경아, 임정빈(2002). 도시가계의 저축률 변화에 관한 연구. 한국가족자원경영학회지, 6(1), 87-102
  11. 정순희(2003). 소비자재정설계. 신정
  12. 정은주(1992). 위험태도에 다른 가계의 투자행동에 관한연구. 이화여자대학교 석사학위논문
  13. 통계청(2002). 2001 도시가계연보
  14. 홍공숙, 김순미, 김연정(1995). 미국노인의 유산상속 결정에 영향을 미치는 요인. 한국가정관리학회지, 13(2), 45-55
  15. Ando, A. & Modigliani, F. (1963), The Life-cycle Hypothesis of Saving : Aggregate Implication and Tests, The American Economic Review, 53(1), 55-84
  16. Ang, J. S. & Schwarz, T. (1985), Risk Aversion and Information : An Experimental Study of Price Variability in the Securitires Markets, J. of Finance, 40(3), 825-846 https://doi.org/10.2307/2327808
  17. Bae, M. K., Hanna, S., & Lindamood, S. (1993), Patterns of Overspending in U.S. Households, Financial Counseling & Planning, 4, 11-30
  18. Chang, Y. R. (1994), Saving Behavior of U.S. Households in the 1980s: Results from the 1983 and 1986 Survey of Consumer Finance, Financial Counseling and Planning, 5, 45-64
  19. Danziger, S., Gaag, J. V. D., Smolensky, E. and Taussing, M. K. (1982-1983), The Life-Cycle Hypothesis and Consumption Behavior of the Elderly, J. of Post Keynesian Economics, 5(2), 208-227
  20. Donnelly, A. S. (1985), The Three Rs of Investing : Return, Risk, and Relativity, Illinois : Dow Jones-Irwin
  21. Embrey, L. L. & Fox, J. J. (1997), Gender Differences in the Investment Decision-Making Process, Financial Counseling and Planning, 8(2), 33-39
  22. Fan, X., Chang, Y and Hanna, S. (1992), Optimal Credit Use with Uncertain Income, Financial Counseling and Planning, 3, 125-133
  23. Hefferan, C. (1982), Determinants and Patterns of Family Saving, Home Economics Research Journal, 11(1), 47-55 https://doi.org/10.1177/1077727X8201100109
  24. Hira, T. K. (1987), Money Management Practices Influencing Household Asset Ownership, J. of Consumer Studies and Home Economics, 11, 183-194 https://doi.org/10.1111/j.1470-6431.1987.tb00071.x
  25. Hughes, C. E. (1993), Insurance Planning : The Risk Management Process, Fundamentals of Financial Planning, The American College, Bryn Mawr, Pennsylvania, 221-248
  26. Hurd, M. D. (1987), Savings of Elderly and Desired Bequests, The American Economic Review, 77(3), 298-312
  27. King, M. A. & Dicks-Mireaux, L. D. (1982), Asset Holdings and the Life-cycle, The Economics Journal, 92, 247-267 https://doi.org/10.2307/2232439
  28. Mullis, R. J. and Metzen, E. J. (1986), Age and Wealth : A Cross/Within-Cohort Analysis, J. of Consumer Studies and Home Economics, 10, 221-223 https://doi.org/10.1111/j.1470-6431.1986.tb00121.x
  29. Olson, M. & Bailey, M. J. (1981), Positive Time Preference, J. of Political Economy, 89(1), 1-25 https://doi.org/10.1086/260947
  30. Radcliffe, R. C. (1990), Investment : Concepts, Analysis, Strategy, 3rd ed., Illinois : Scott Foresman
  31. Weagley, R. O. & Gannon, C. F. (1991), Investor Portfolio Allocation, Financial Counseling and Planning, 2, 131-154
  32. Xiao, J. J. (1995), Patterns of Household Financial Asset Ownership, Financial Counseling and Planning, 6, 99-106
  33. Xiao, J. J. & Noring, F. E. (1994), Perceived Saving Motives and Hierarchial Financial Needs, Financial Counseling and Planning, 5, 25-44