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The Effects of Social Security Wealth on Households' Portfolio Choices across Income Groups
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국민연금이 소득분위별 가계의 저축과 자산구성 선택에 미치는 영향

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Type
Academic journal
Author
Hyewon Shin (성균관대학교) Junsang Lee (성균관대학교)
Journal
Association Of Korean Economic Studies Journal of Korean Economics Studies Vol.35 No.1 KCI Accredited Journals
Published
2017.3
Pages
41 - 74 (34page)

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The Effects of Social Security Wealth on Households' Portfolio Choices across Income Groups
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Abstract· Keywords

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This paper studies the effects of social security wealth on households’ portfolio choices by using panel regression with Korean Labor Income Panel Survey(KLIPS) data. We find that the crowding-out effects of social security wealth vary across income quintiles and households’ indebtedness. Household social security wealth significantly crowds out the net asset holdings of the households and its impacts are lower at the wealthy income quintile. In choice of household portfolio, the crowd-out effects stand out on the long-term deposit, life insurance and real estate. This finding suggests that the national pension service provides households with a partial insurance that insures against the income loss after retirement and that the reverse mortgage loan program might help the current retired smoothing their consumption after retirement.
#국민연금 #자산구성 #연금자산 #가계저축 #구축효과 #national pension #portfolio choice #social security wealth #household savings #crowd-out effects

Contents

Ⅰ. 서론
Ⅱ. 선행 연구
Ⅲ. 소득 및 연금자산 추정
Ⅳ. 패널 회귀분석 모형
Ⅴ. 강건성 검정(Robustness Check)
Ⅵ. 결론
참고문헌
[Abstract]

References (23)

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강성호 / 2007 / 국민연금의 소득계층별 재분배 기여도 분석 : 지니계수 요인분해를 통한 새로운 접근 / 공공경제 12(2):89~118 dbpia 강성호 / 2005 / 공적연금의 민간저축 구축효과에 관한 실증연구: 가구특성별 접근 / 경제분석 11(2):135~164 google schola 강성호 / 2008 / 국민연금법 개정의 소득분배 및 노동공급 효과 분석 / 경제학연구 56(3):75~107 google schola 국민연금재정추계위원회 / 2013 / 국민연금 제도 및 기금운용 개선방안 google schola 김대철 / 2008 / 국민연금제도의 가계저축 구축효과 분석 / 경제분석 14(2):1~37 google schola

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