자산구조 변화에 따른 주거소비조정의 결정요인에 관한 연구

초록

1. CONTENTS (1) RESEARCH OBJECTIVES The purpose of this study is to examine the housing consumption according to the asset structure of each household. (2) RESEARCH METHOD Using the KLIPS data set from 2009 to 2017, we adopt panel analysis and logit regression as methodology to identify the structural change of individual household and also examine interrelationship between asset structural change and housing consumption. We further employ this method to rental housing market; Cheonsei market. (3) RESEARCH FINDINGS We find that the higher income household shows higher proportion of financial asset compared to other income groups. Furthermore, it affects the housing consumption in consequence movement. 2. RESULTS The findings implies that the renters spent more financial asset to when they move into smaller housing unit. But home owners are spent their financial asset to move into larger housing unit. Thus we support that the liquidation of housing asset with regard to housing pension plan is critical to improve overall welfare of the seniors, both home owners and renters.

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