Korean Abstract: 다양하고 복잡한 금융상품들이 출시되고 소비자들이 많은 금융거래에 직면하게 되면서 금융상품과 관련된 소비자 피해가 증가하고 있다. 본 연구는 금융기관의 불공정한 영업행위에 대하여 소비자들이 느끼고...

This study investigated whether race and ethnicity moderated the associations of bequest expectations to leave an inheritance and charitable giving with having a valid will among older Americans. Drawn from the 2014 Health and Retirement Study, we analyzed 13,261 respondents using multilevel...

Using the 2010 and 2013 Survey of Consumer Finances (N=12,497), this study investigates the relationship between credit constraint and credit use of U.S. households after the Great Recession. Credit use is identified for two major categories of household debt, (1) installment loan debt and (2)...

This study sought to investigate household sociodemographic characteristics as predictors of patterns of health insurance premiums and medical expenses of consumers using the 2014 Consumer Expenditures Survey. This study found that age, being married, educational attainment, and log of family...

Using the 1998–2004 Health and Retirement Study, this study uses Cox’s model to explore the effects of private long-term care insurance ownership on first home care use among the disabled elderly. Results show that long-term care insurance ownership and Medicaid eligibility did not...

Korean Abstract:본 연구는 1990년, 1998년, 2008년, 2018년의 가계동향조사 지출부문 자료를 활용하여 각 연령대별, 연도별로 가계지출항목 구성비를 비교하고, 코호트의 지출구조 변화추이를 분석하였다. 분석은 연령-시기-코호트...

Korean Abstract: 본 연구는 2014년 가계동향조사와 2014년 가계금융복지조사 원자료를 활용하여, 소득계층별 재무상태를 비교하고, 주요 재무비율을 활용하여 Financial Fitness를 진단하였으며, 가계특성에 따라 가계의 재무건전성이...