가족생활주기와 가계의 비상자금 적정도에 관한 연구 = A Family Life Cycle and Emergency Fund Adequacy of Household

다국어 초록 (Multilingual Abstract)

The purpose of this study is to examine the level of emergency find adequacy and investigate the determinants affecting the emergency fund adequacy according to family life cycle. The data used for this study were collected from 272 households in Kwangju. The emergency fund level is measured by two ratios: quick emergency fund and comprehensive emergency fund: the independent variables were categorized into three groups: socio-demographic variables, financial-related variables, household-related variables. The results were summarized as follows: First, the mean value of QEF ratio was 3.59 and the mean value of CEF ratio was 3.98. Second, the emergency fund ratio in the stage of retirement was higher than any other stages. Third, the significant predictors on QEF ratio were debts, the amount of insurance, housing tenure type and the significant predictors on the CEF ratio were debts, the amount of insurance, the regularity of income, housing tenure type. In newly-married stage, home ownership was positively related to the QEF ratio and the educational level of household head, the regularity of income had significant impacts on the CEF ratio. In the stage of college of children, debt and the number of dependent had significant impacts on the emergency fund adequacy. These findings have implications for counselors, educators, and other professionals in the field of family financial management.

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