소득 분위별 가계자산 축적 동학

• 영문명: Household assets accumulation dynamics by income quintile in Korea
• 발행기관: 한국주거환경학회
• 저자명: 이창희(Lee, Chang Hee) 이강용(Lee, Kang Yong) 정준호(Jeong, Jun Ho)
• 간행물 정보: 『주거환경(한국주거환경학회논문집)』住居環境 제15권 제2호 (통권 제36호), 85~100쪽, 전체 16쪽
• 주제분류: 사회과학 > 지역개발
• 파일형태: PDF
• 발행일자: 2017.07.30

영문 초록

This study uses data from the Household Financial Welfare Survey (2010-2016). The Deaton normalization model shows the household asset accumulation dynamics in terms of age, cohort, and time effects, by dividing it into real estate assets and financial assets. As a result of analysis, age effect, cohort effect, and time effect were different in the household income accumulation process. First, if you do not divide the quartiles in the age effect, you will follow the life cycle model of the inverted U-shape in general. However, in the fifth quartile of income, the real estate is upwards even in the late 70s, and in the financial assets of the first income quintile, they appear to be downward sloping from the beginning. It differs from traditional models. Second, in the cohort effect, the relative deprivation effect of the 1960s birth group was found in real estate assets, but this did not occur in the first quartile or the fifth quartile. Third, In the time effect, mutual symmetrical patterns of real estate assets and financial assets appeared only in the third quartile, and in the other quartiles, different forms appeared, especially in the fifth quartile. This indicates that income plays a major role in the accumulation of wealth as a major source of income, and reflects the preference for real estate as an investment asset in the high income class.

목차

Ⅰ. 서 론

Ⅱ. 이론 고찰

Ⅲ. 분석설계

Ⅳ. 분석결과 및 해석

Ⅴ. 결론

참고문헌

키워드

생애주기가설 소득분위 시간효과 연령효과 자산축적 코호트효과 Age effect Asset Accumulation Cohort effect Life-cycle Hypothesis Income quintile Time effect