가계부채 보유와 보장보험 가입 간 관계분석
Relationship Between Household Debt and Protection-type Insurance Ownership
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초록
이 연구에서는 재정패널자료(조사대상 기준년도: 2016~2018년)를 활용하여 국내 가계의 부채보유 여부가 보장보험(질병/상해/사망) 가입에 미치는 영향을 실증적으로 분석하였다. 대상기간부채를 보유한 가계 비율은 평균 36.8%이며, 부채 유형별로 보면 주택담보대출 18.8%, 기타대출(학자금/금융기관일반/신용카드) 12.4%, 전세금·임대보증금대출 11.4% 수준이다. 보장보험 가입률은 75.5%, 연간 납입금액은 415만 원 수준이다. 부채 보유가 보장보험 가입에미친 영향에 대한 패널로짓 분석 결과, 부채보유 가계의 보장보험 가입이 통계적으로 유의하게높게 나타났다. 이는 이론 모형에 부합하는 것으로 보장보험이 부채 보유 가계의 재정안정에기여함을 시사한다. 상호항(부채유형별×연령계층)에 대한 추정 결과 보장보험 가입에 대한부채보유 영향이 연령집단 간 달리 나타났는데 주택담보대출을 보유한 55세 초과 중고령층은다른 집단에 비해 통계적으로 유의하게 보장보험 가입성향이 높은 것으로 확인되었다. 부채보유 가계가 보장보험을 적절히 활용하여 가장의 인적위험을 관리하기 위해서는비용효율적인 단체보험방식 활성화, 단체보험가입자에 대한 대출금리 혜택 제공, 디지털 채널을통한 대출프로세스 재구조화 등이 필요하다.
Abstract
This study empirically analyzed the effect of household debt on Protection-type insurance(disease/injury/death) using National Survey of Tax and Benefit data(NaSTaB, base year: 2016-2018). The proportion of households with debt was 36.8%, and by debt type, mortgage loans were 18.8%, rental loans were 11.4%, and other loans (student loans/financial institutions/credit cards) were 12.4%. The Protection-type insurance coverage rate was 75.5%, and the size of annual amount was 4.15 million KRW. As a result of examining the effect of debt on Protection-type insurance purchase using panel logit analysis, we find a statistically significant effect. With respect to interactions (debt type × age group), the effect of debt on Protection-type insurance purchases varies by age group. Especially above 55 years old with mortgage loan are statistically significantly more likely to purchase Protection-type insurance than the other groups. To prevent under-insured of debt-holding households, appropriate policies should be reviewed such as cost-effective group insurance policies, credit scoring model with loan rate discount, and distribution strategies through digital platform.
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