1인 가구의 금융 포트폴리오 특성 분석

초록

The population aging and increasing one-person-household are expected to influence on the change of conventional economic activities. Moreover, phenomena on increasing one-person-household are globally emerged, and specifically, increasing the number of single women from twenties to thirties causes for them to make majority for new cultures and consumption. Also, due to the impact on one-person-household, economic activities composed of multi-person household will change their consuming pattern. For instance, it shows changes in demand for new living space, relationship network in online, consumption pattern, and so on. Above all, consumption characteristics of one-person-household’s financial products will make an impact on financial markets. In the view of this point, this paper shows the properties of one-person-households’ financial portfolio by comparing it with the portfolio of more than one-person-households. To analyze these properties, we will use KLIPS (Korean Labor & Income Panel Study, 2007~2010). The results of comparison about the characteristics of both one-person-household and multi-person-household are as follows. Foremost, there is no significant difference between free risk assets (deposit/installment savings, personal insurance, term insurance, saving insurance, Whole life insurance) and risk assets (installment Fund). Second, one-person-household is more(less) inclined to invest deposit/installment savings (term insurance, saving insurance). Third, the higher educated one-person-household tends to decrease ratio of investment in deposit/installment savings. In one-person-household, there is positive correlation between education and ratio of investment to whole life insurance and saving insurance, however, multi-person-household shows that there is no correlation. Finally, in saving insurance, there exist no time trends in one-person-household. Saving insurance of more than one-person-household has increasing trends.

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