우리나라 가구의 자산보유 실태와 자산형성 요인 분석

요약 ········································································································13

Ⅰ. 서 론 ·······························································································33
1. 연구 배경과 목적 ·········································································33
2. 연구내용 ·························································································34

Ⅱ. 우리나라 가구의 자산보유 현황과 변화 ··········································35
1. 우리나라 가구의 경제현황 ·····························································35
가. 우리나라 가구의 소득활동 ·························································35
나. 우리나라 가구의 자산 및 부채 현황 ·········································49
2. 패널자료를 이용한 우리나라 가구의 자산보유 실태 및 변화 ········66
가. 분석자료 ·····················································································66
나. 자산의 종류와 정의 ··································································67
다. 우리나라 가구의 자산보유 실태 ·················································69

Ⅲ. 우리나라 중･고령자의 자산형성 요인분석 ······································81
1. 자산선택이론 ··················································································81
가. 예비적 저축동기와 자산선택 이론 ·············································81
나. 인구구조와 자산선택 ··································································82
2. 실증분석모형 및 결과 ····································································88
가. 실증분석모형 ··············································································88
나. 실증분석의 결과 및 해석 ···························································93

Ⅳ. 우리나라 인구구조 변화와 가구의 주택보유 ·································103
1. 최근 우리나라 인구구조의 변화와 주택수요 ································103
가. 출생코호트별 주택보유의 변화 ················································105
나. 출생코호트별 자가주택 유지 가능성 ········································113
다. 출생코호트별 자가주택 보유 가능성 ········································115
2. 주택소유 변화와 노후소득보장제도에 주는 시사점 ···················117
가. 노후소득에 있어 공･사적 연금자산의 중요성 ··························119
나. 노후소득보장체계와 자산선택 ··················································126

Ⅴ. 결 론 ·····························································································131