세대별 가계특성의 판별요인 분석

Abstract

The purpose of this study is to investigate the determinants based on the current household characteristics for the correct asset composition and selection according to the household characteristics of each generation. This study analyzed the determinants that reveal statistical differences according to the characteristics of each generation divided into the younger generation, the middle-aged generation, and the older generation. In the case of determinant function 1, it appeared in the form of occupation, and the household characteristics of determinant function 2 were total assets, total debt, housing (residential real estate), and non-housing (non-residential real estate). The following are particular analysis findings. First, the younger generation considerably determined the kind of occupancy with a high non-ownership rate, while the older generation significantly determined the type of occupancy with a high ownership rate. Second, in the case of large total assets, the middle-aged generation was significantly identified, and the smaller total assets were significantly identified as the older generation. Third, the middle-aged generation was significantly identified for the large total debt, and the older generation was significantly identified for the smaller total debt. Fourth, middle-aged households with high housing market value and the older generation with low housing market value was significantly distinguished; middle-aged households with large housing exclusion (non-residential real estate) and the older generation with small housing exclusion (non-residential real estate). In conclusion, it has been confirmed that there are differences in household characteristics according to generation in the housing supply policy, and appropriate government policy support and household asset management strategies are needed to avoid difficulties in the economic activities of the the older generation.