지방 중고령 여성의 노후준비도 및 노후준비역량에 영향을 미치는 요인 분석

An Analysis on Factors Affecting the Retirement Readiness and the Capability of Local Middle-Aged Women

This paper empirically analyzed the factors of retirement readiness and capability for the middle-aged women in Jeonbuk. Regression results showed that people who were older, had no spouses, higher household incomes, or fewer household members tended to be prepared better. In terms of the capability in retirement readiness, the higher educational attainment or household income, the higher the capability. For being older, having been an employer in main career, or having no spouses, they were more likely to receive counseling services for their later life. The degree to which women in Jeonbuk prepare for their later life and their capability were statistically and significantly higher when they had received the consulting service for later life design. Also, they felt the necessity to have the service more once they received it. The empirical results imply that a policy enhancing an access to consulting service related with a later life design is required. In Korea, the share of the elderly has been continuously increasing, and the life expectancy has also increased significantly. However, the elderly poverty rate belongs to the highest among OECD countries and women tend to be weaker in retirement preparation than men. These trends would increase the financial burden of a (local) government in the future. Thus, public intervention with appropriate policy tools has to be made.