소득분위별 자산선택 특성에 관한 연구

Abstract

This study used 9,379 data from 9,379 households in the Financial Sector of Household Finance and Welfare Survey of the National Statistical Office. According to the analysis of the characteristics of real estate asset selection behavior, the higher the income category, the higher the willingness to invest in real estate. The purpose of real estate investment was in order of asset growth, provision of house, retirement measures, and household fund. The purpose of real estate investment was to establish a house with a lower income tier, and to grow assets with a higher income tier. The results of the chi square test on the method of managing the surplus funds showed financial asset investment, real estate investment, and preference for debt repayment. Too much real estate assets need to be lowered, and there is a lack of alternative investment means other than real estate. At the asset level, efforts to secure tax sources for tax equity, development of various liquidity investment products, significant improvements, and real estate policy measures are also required. As a result of the above analysis on the characteristics of asset selection according to income decile, it was confirmed that income quartile influences household asset selection and investment behavior.