거주지역의 특성이 가구의 보험보유 결정에 미치는 영향
Effects of Regional Characteristics on Households’Decision to Consume Insurance
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본 연구의 목적은 거주지역의 특성이 가구의 보험보유여부와 연납입보험료 결정에 미치는 영향을 검증하는 것이다. 가구의 보험보유에 대한 기존 연구들이 가구특성 중심의 결정요인 검증에 초점을 맞추었던 반면, 본 연구는 지역수준의 거시환경의 영향까지 확대하여 살펴보았다. 이를 위해 10차~15차 한국노동패널의 6개년 가구단위 자료와 통계청의 16개 광역시도 자료를 통합하여, 다수준회귀분석을 시도하였다. 분석결과, 실업률이 전년대비 증가할수록 또는 상용직 비율이 낮을수록, 가구는 가구원의 실업가능성 및 소득상실위험 헤지가능성에 대해 부정적으로 전망하고, 이로써 보장성보험에 대한 지출을 줄여 미래노동소득상실위험에 대비하는 것으로 나타났다. 또한 아파트 평당가격이 상승할수록 가구의 보험보유 가능성 및 규모는 감소하는 것으로 나타났다. 반면, 보험회사 소속 설계사 비율이 가구의 보험보유에 미치는 영향은 통계적으로 유의하지 않은 것으로 나타났다.
Abstract
It is largely unexplored whether the regional characteristics affect households’ consumption of insurance and, if so, what aspects of the regional characteristics influence it. This paper is to examine the impact of regional characteristics in which households are nested on households’ consumption of insurance, using the Korean Labor and Income Panel Study 10~15th data and multi-level analysis. Specifically, the effects of four regional factors were studied while controlling for effects of household features: the recent change in unemployment rate, the share of regular employees, the apartment price, and the financial planner-population ratio. The analysis shows that the greater increase in unemployment rate or the lower share of regular employees in a region leads households to decrease the consumption of insurance, by increasing households’ expectation on unemployment and labor income uncertainty in the future. In addition, the higher apartment price in a region leads households to increase the consumption of insurance. However, the financial planner-population ratio has no effect on households’ decision to consume insurance.
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