위험태도가 자영업 선택에 미치는 효과

This study covers empirical analysis on how reviews on individual's risk attitude-related variables and individual's risk attitude identified in KLIPS affect self-employment selection. First, it was confirmed that risk attitude is logically conforming at group/individual level; and analysis results on variables affecting risk attitude match advanced research, which confirms validity as variables representing individual risk attitude. Second, analysis on factors affecting self-employment selection shows higher probability of choosing self-employment as differences among expected income by employment type get bigger, which can be understood as a result of reasonable decision-making that is considered priority over self-employment. Furthermore, probability of choosing self-employment gets higher as individual's risk-taking level gets higher. This suggests choosing self-employment is affected not only by economic factors but also individual's risk attitude; and omitted variable bias may occur when risk attitude is not considered in the analysis on self-employment selection. However, result on analysis on factors in choosing self-employment shows that income related factors such as differences among expected income by labor type don't affect females' choosing self-employment; but non-income related factors such as age, health, spouse's employment type, household debt and level of risk-taking affect decision on self-employment. It suggests women don't tend to choose employment type that maximizes expected income according to their capabilities, which is confirmed in case of small self-employment of 2 or less number of employees. Therefore it implies the need of creating decent jobs that reflect characteristics of the workers for socio-economic growth through efficient distribution of workforce based on workers' capabilities.