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NTIS 바로가기디지털정책연구 = The Journal of digital policy & management, v.11 no.11, 2013년, pp.117 - 132
강신기 (호서대학교 벤처전문대학원) , 조성숙 (호서대학교 벤처전문대학원)
This study shows how financial education for middle-age affects their remaining life (economic, physical, emotional and social) and improves the way of preparing for their old age through 355 questionnaires using SPSS 18.0, factor analysis, t-test and ANOVA program. The results obtained are summariz...
핵심어 | 질문 | 논문에서 추출한 답변 |
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재무교육이 개인들의 삶에 중요한 영향을 미치는 이유는? | 1980년대부터 미국 내 기업체근로자들을 대상으로 한 재무 의사결정과 연금계획에 대하여 정보를 제공하는 교육프로그램을 실행한 결과 근로자들이 재무관리에 대한 자신감이 증가되고 긍정적인 태도가 형성되는 것으로 나타났다[2]. 결국 재무교육을 잘 받은 중년층들은 개인과 그들의 가족을 위해 합리적인 의사결정을 통한 경제적 안정망과 복지도 증가하게 된다. 이처럼 재무교육이 개인들의 삶에 중요한 영향을 미치기 때문에 현재 우리나라 재무교육 실태를 알아보고 이를 효과적으로 수행하는 방안을 수립하여 중년층의 노후준비 인식 및 노후 준비도를 제고할 필요가 있다. | |
경제적 노후준비가 중년층부터 시작되어야 하는 이유는? | 생애주기 상 노년기에는 신체적 건강 악화로 의료비 등 재무적인 욕구는 증가하고 있는 반면, 소득은 급감하여 경제적 노후준비에 대한 필요성이 강조되고 있다. 경제적 노후준비는 단기간에 이룰 수 있는 것이 아니기 때문에 중년층부터 시작되어야 한다. 하지만 선진국에 비해 국내 중년층의 개인이나 가계의 재무관리에 대한 지식의 부족으로 인해 적극적으로 노후준비를 하지 않고 있는 실정이다. | |
노령층의 상대적 빈곤율이 점차 높아지는 이유는? | 8%로 초 고령 사회(super aged society)에 도달할 것으로 전망되고 있다[1].이러한 급속한 고령화에 비해 사회보장제도의 미성숙, 복지잠재력의 약화, 개인의 노후준비 미흡 등으로 노령층의 상대적 빈곤율은 더욱 높아지고 있다. 생애주기 상 노년기에는 신체적 건강 악화로 의료비 등 재무적인 욕구는 증가하고 있는 반면, 소득은 급감하여 경제적 노후준비에 대한 필요성이 강조되고 있다. |
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