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Journal of the Korean Home Economics Association 2003;41(1):39-58.
가구주 직업에 따른 연령별 가계재무구조의 분석
Analysis of the Effects of Householder's Occupation and Age on the Financial Structures
성영애
인천대학교 자연과학대학 생활자원관리학과
ABSTRACT
This study investigated the effects of the householder's age as a proxy for the family life cycle stage variable and the householder's occupation on the household financial structures. Household financial structures are analyzed by the components of two financial statements(the income and expense statement and the balance sheet statement) and selected financial ratios. The data came from the 1998 Korean Household Panel Study. It was found that the age profiles of household finances such as household income, expenditure, savings and consumption rate, financial assets, real assets and home ownership, debt and net worth usually vary according the householder's occupation. The ratios of debt repayment and the liquidity ratios also vary in part as age changes for each occupational group.
Keywords: 기계재무구조, household financial structure, 가구주 직업, householder`s occupation, 가구주 연령, householder`s age, 수입지출상태, income and expenditure status, 자산 부채상태, assets and debt status, 가계재무비율, financial ratio
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