연금보험 가입 결정요인에 관한 연구

초록

The purpose of this study is to analyze the characteristics of non– annuity-insured group and annuity-insured group and analyze empirically the factors of affecting on signing up annuity insurance using financial panel data. In this study, logistic model, fixed-effect panel logistic model, and random-effects panel logistic model were applied to analyze the factors of affecting on signing up annuity insurance. The Hausman test showed that the fixed-effects panel logistic model was suitable. This study shows that the odds ratio of annuity insurance is over 1 with higher age, longer education period, fewer household member, more non-wage worker, higher income growth rate, higher real estate asset growth rate, more retirement benefits hold, more coverage insurance hold and less savings insurance hold. These results suggest that it is needed to support signing up annuity insurance for elderly people such as baby boomers and the individuals whose incomes are low and whose family members are many, because these people have a relative shortage of time or financial allowance in preparing for old age.

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