중ㆍ고령자 자산분배 결정요인에 대한 연구

The purpose of this study is to identify factors that affect assets of middle-old people. We used panel regression analysis as a statistical analysis method using KLoSA(by Korea Employment Information Service). The results of the study are as follows. First, It shows a difference in assets depending on their gender. For women, asset formation was lower than for men. Second, It shows a difference in the asset depending on the subjective class identification for groups. The group that was perceived to have low on the subjective class identification low asset. Third, factors affecting the asset were gender, age, level of education, subjective class identification, and self-perceived health. Overall, the lower the age, the higher the asset for men. The level of education, subjective class awareness and health awareness have an overall impact on asset formation. As an education level affects asset distribution, It needs to finance management education on the life course perspective. Also, It is necessary that as it appears to affect the assets of the self-perceived health and subjective class identification, a foundation will be needed to control social and institutional devices and personal psychological factors that can properly manage individual psychological factors.