인구노령화와 생명보험 수요; 연령-세대-연도효과 분석
The effect of Aging Population on Life Insurance Demand; Age, Cohort and Year effects
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초록
인구노령화는 사회․경제적 변화를 유발하고 있으며 모든 산업의 주목을 끌고 있다. 특히 인구비중 변화가 수요에 큰 영향을 미칠 수 있는 보험산업의 경우 인구노령화에 더 많은 관심을 기울일 필요가 있다. 지금까지 국내 보험수요에 대한 연구는 단일 횡단면 자료를 이용하고 있으며, 이를 통해서는 노령층의 특성변화라는 질적 측면을 분석하는 데 한계가 있다. 본 연구는 주기적으로 실시되고 있는 설문조사 자료를 이용하여 보험수요의 세대간 차이를 분석하고 있다. 분석결과를 통해 생명보험 수요의 세대간 차이가 존재하며, 특히 건강(질병)보험의 경우 성장세를 지속할 수 있을 것이라는 결과를 제시하고 있다.
Abstract
The changing age distribution of the population has been affecting social and economic phenomena. Especially, the demand for life insurance can be influenced by the aging population more than other industries. Therefore it is necessary for insurer to pay more attention on the aging baby boom generation. - 157 - There are a lot of previous research results on the demand for life insurance. With a single cross sectional data, however, one cannot figure out decisively the difference in behavior between age classes. This study analyses cohort, age and period effects on the demand for life insurance using a series of cross-sectional surveys conducted by Korea Insurance Research Institute. The result reveals that cohort(age class) significantly influences on the demand for life insurance and health insurance would continue its growth trends for the near future.
참고문헌 (20)
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