[Korea sinyuncheol financial newspaper reporter] appeared to hold the debt of households 10 households 7 households to survey the average 36.82 million won. Shinhan Bank captured the contents of this year published the '2017 average person financial Life Report "containing the financial lives of workers targeted the economically active population analysis of the survey to 64 years in the country only 20 years old that are representative of the Financial Consumer .
'2017 average person financial Life Report "is more about social rookie, Single person household, complex financial lives increasingly difficult, with society changing capture the financial story of our neighbors that can easily meet in the vicinity, such as middle-aged couple ahead of retirement It was published in order to present an easy to understand way.
◇ generational analysis
In a generational analysis showed that 20 single income earners with high density deposit investment products. Stable products as well as investment products, even offensive
And spend a certain percentage. 2040 Married without children are the main points of interest in the purchase of real estate that showed that 65% of you are willing to buy real estate for own residence.
Married children less than 2030 elementary students sigida period of full-scale increase in the assets referred to when your child is born and household composition is completed to some extent. It increased the number of financial instruments held by the 10 level during this period and were analyzed that goes both quantitative / qualitative expansion of the asset. They were aggressive asset investment increased propensity is willing to join my investments next year.
Entering the 50s he appeared to begin in earnest retirement and retirement preparation. 50 Married people with middle and high school / college-age children will increase the interest in retirement and retirement This increased the retention of savings insurance. It is also the highest monthly share in savings insurance payments when the amount of savings / investment.
60 versus time-based retirement in sight La prepare financial as well as nonfinancial also showed that preparation. Time to spend on leisure and social activities every week also showed that many compared to the overall average for more than two hours.
◇ income and liabilities
The average monthly private employment / business income, showed an average 2.83 million won. When at 20 30 price was a personal work / business income is retained after three increases 1.2 times.
The average monthly gross income (employment / business income + real estate, finance and other income) had an average 4.68 million won, was a polarization of income Section 1 (top 20%) and five divisions household income difference (bottom 20%) five times.
And to 72.7% of households hold debt per household average debt balance is 36.82 million won more than 50 debt balance is particularly the economic burden caused by debt concerns after retirement retired 44.5 million won. The higher the income level is also much debt liabilities Balance Balance Income section 1, income is more than five times higher than five divisions. In particular debt balance of married households showed a 46.85 million won more than three times higher than married households 14.08 million won.
Shinhan Bank officials about this report is "carried forward surveys each year, through the convergence analysis and big data bank owned grasp the issues of trends and when the financial behavior will support the financial transaction consultation branch," he said " just out of interest or recommendation of the product compared to the center plans to introduce a counseling support system for yourself that you can select the financial products required by the customer based on the data comparison and analysis of financial transactions of other people, "he said.
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