검색 결과
Purpose-Specific Debt Shares and Welfare Attitudes: Differences in Debt Purpose Shares between Low-Income and General Households and the Effects of Household Type and Debt Purpose Shares on Welfare Attitudes
Yang, Jongmin(Inha University) 보건사회연구 , Vol.46, No.1, pp.241-265 https://dx.doi.org/10.15709/hswr.2026.46.1.241
Abstract
This study empirically examines how the share of household debt by purpose and its interaction with income groups affect welfare attitudes in the context of a financialized welfare state, using data from the Korea Welfare Panel. First, we observe that low-income households rely primarily on consumption debt (living and medical expenses), whereas general households carry a larger share of investment debt (housing loans). Next, we analyze how the interaction between household type and debt purpose shares shapes willingness to expand welfare spending. The results show that as consumption debt increases, low-income households show a stronger preference for both social insurance (pension and unemployment benefits) and redistributive programs (support for the poor and persons with disabilities), while investment debt shares exhibit no significant relationship with overall welfare attitudes. Although medical debt shares are generally insignificant, a reverse pattern appears in attitudes toward disability support, where support among general households slightly increases. These findings demonstrate that the nature and purpose of debt are key pathways shaping welfare demand and highlight the need for debt safety nets and tailored risk-management strategies by income group.
초록
본 연구는 금융화된 복지국가 환경에서 가계부채의 용도별 비율과 소득계층 간 상호작용이 복지태도에 미치는 효과를 한국복지패널 자료를 통해 실증적으로 분석하였다. 먼저 부채 용도별 비율을 살펴본 결과, 저소득층은 생계비·의료비 등 소비성 부채에 주로 의존하는 반면 일반가구는 주택자금 등 투자성 부채 비중이 높았다. 이어 가구유형과 부채 용도 비율의 상호작용이 복지지출 확대 의향에 미치는 영향을 분석한 결과, 소비성 부채 비율이 증가할수록 저소득층의 사회보험형 및 재분배형 복지수요가 더 큰 폭으로 강화된 반면, 투자성 부채 비율은 전반적 복지태도와 유의미한 관계를 보이지 않았다. 특히 의료비 부채 비율은 전 영역에서 유의하지 않았으나, 장애인 생활지원에서만 일반가구 지지가 소폭 증가하는 역패턴을 확인하였다. 이 결과는 부채의 성격과 용도가 복지수요 형성의 핵심 경로임을 보여주며, 부채 안전망 구축과 계층별 맞춤형 위험 관리 전략의 필요성을 시사한다.
Analysis of Public Acceptance of Social Security Policy: Focusing on Willingness to Pay (WTP)
Ko, Jayee(Korea Institute for Health and Social Affairs) ; Choi, Eun Chul(Korea Maritime & Ocean University) 보건사회연구 , Vol.46, No.1, pp.172-191 https://dx.doi.org/10.15709/hswr.2026.46.1.172
Abstract
This study evaluates public acceptance of social security policies in South Korea by estimating citizens’ willingness to pay (WTP). A nationwide survey was conducted with 3,073 respondents aged 19 and older, focusing on four key areas of social security: elderly support, child support, support for the unemployed and marginal workers, and support for persons with disabilities and for low-income groups. The results show that over 70% of respondents agreed on the necessity of expanding social security policies and expressed a willingness to bear additional costs, with particularly high WTP observed for elderly support and support for vulnerable populations. Experience with receiving social benefits emerged as a major factor positively influencing WTP, while demographic variables such as gender, income level, and employment type also showed significant effects. In particular, non-regular workers demonstrated higher WTP for policies targeting unemployed and marginal workers, suggesting that welfare attitudes are shaped not only by income level but also by current socioeconomic status. The total estimated annual WTP, when scaled to the taxpayer population, amounts to approximately KRW 17.4 trillion, or about 0.7% of GDP. By quantifying public preferences for specific social security programs, this study offers a useful empirical framework for designing equitable and financially sustainable welfare policies.
초록
본 연구는 사회보장정책에 대한 국민 수용성을 정량적으로 평가하기 위해 지불의사액(WTP)을 추정하였다. 전국 19세 이상 가구주 및 배우자 3,073명을 대상으로 설문조사를 실시하고, 노인·아동·실업자 및 한계근로자·장애인 및 저소득층 지원 등 4개 영역을 분석하였다. 그 결과 약 70% 이상이 정책 확대와 비용 부담에 동의하였으며, 특히 노인 및 취약계층 지원에서 높은 WTP가 나타났다. 또한 수혜 경험과 고용형태 등이 유의한 영향을 미쳤으며, 총 WTP는 연간 약 17.4조 원으로 추정되었다.
Determinants of Volunteering Among Middle-Aged and Older Adults: An Integrated Analysis of Participation and Engagement
Kang, Da Eun(Yonsei University) ; Choi, Shubin(Yonsei University) 보건사회연구 , Vol.46, No.1, pp.338-367 https://dx.doi.org/10.15709/hswr.2026.46.1.338
Abstract
This study analyzes both participation in and engagement with volunteering among middle-aged and older adults in Korea using the 2022 Korean Longitudinal Study of Aging (KLoSA) and a left-censored Tobit model. Human, social, and psychological capital are examined by age group to identify life-course-specific mechanisms of resource access and conversion. Religion and social networks consistently increase both the likelihood and hours volunteered across age groups, indicating that volunteering is shaped primarily by institutional embeddedness and relational exposure. However, determinants diverge sharply by life stage. Among middle-aged adults, life satisfaction is the only significant predictor, reflecting a competitive choice structure in which volunteering competes with paid work, family responsibilities, and leisure, and thus functions as an integrative indicator of contemporaneous resource availability and conversion capacity. Among older adults, life satisfaction is unrelated to volunteering, as participation more often reflects the continuation of established social roles and institutional ties under structurally constrained choice sets. Instead, education, gender, and residential location are significant, indicating that later-life volunteering is governed by structurally accumulated resources over the life course, including organizational experience, the ability to navigate and utilize institutional resources, and community-based relational embeddedness. Overall, while volunteering constitutes the same behavioral category across age groups, participation among middle-aged adults is differentiated by short-term resource constraints within competitive life-course contexts, whereas participation among older adults is structured by accumulated capacities and embedded social positioning. These findings underscore the need for age-differentiated volunteering policies and institutional designs.
초록
본 연구는 한국의 장년층과 노년층을 대상으로 자원봉사 참여 여부와 참여 시간을 동시에 설명하기 위해 2022년 고령화연구패널(KLoSA) 자료에 좌측 검열을 고려한 Tobit 모형을 적용하였다. 자원봉사 참여를 개인의 태도보다는 봉사 활동에 접근 가능한 구조적 위치의 문제로 재개념화하고, 인적·사회적·심리적 자본을 독립변수로 설정하여 전체 표본과 연령집단별로 비교 분석하였다. 분석 결과, 종교와 사회적 네트워크는 모든 연령집단에서 참여 가능성과 참여 시간을 유의하게 증가시켰다. 그러나 결정요인은 연령집단별로 상이하였다. 장년층에서는 삶의 만족도만이 유의하였으며, 이는 경쟁적 선택 구조 속에서 개인의 자원 가용성이 참여를 구분함을 시사한다. 반면 노년층에서는 삶의 만족도가 유의하지 않았고, 교육 수준·성별·거주 지역이 참여를 설명하였다. 이는 노년기 자원봉사가 생애 동안 축적된 구조적 자원과 지역사회 기반 관계에 의해 규정됨을 보여준다. 결과적으로 연령집단 간 차이는 심리적 요인보다 생애주기별 자원 접근 경로와 제약 구조의 차이에서 비롯되며, 이에 근거한 차별화된 정책 설계가 요구된다.