표 1 기초통계

	N	평균	표준편차	최댓값	최솟값
투자여부(투자=1) Investment decision	72,611	0.51	0.50	1	0
D_수도권(수도권=1) D_SMA	72,611	0.33	0.47	1	0
D_가구주 성별(남자=1) D_Household head’s gender	72,611	0.73	0.44	1	0
D_학력 대학졸업이상(졸업=1) D_Graduated from college or higher	72,611	0.37	0.48	1	0
D_입주형태(자가=1) D_Own house	72,611	0.62	0.49	1	0
소득10분위 Income in the 10th percentile	72,611	5.13	2.89	10	1
가구원 수 Number of household members	72,611	2.46	1.23	9	1
가구 주 연령 Age of household head	72,611	57.76	14.97	104	18
자산_금융자산(만 원) Asset_Financial assets	72,611	10,013.69	21,646.51	1,086,455	0
자산_실물자산(만 원) Asset_Real assets	72,611	34,535.21	62,052.69	1,740,550	0
금융부채_담보대출(만 원) Financial liabilities - Secured loan	72,611	4,185.11	12,917.89	559,650	0
금융부채_신용대출(만 원) Financial liabilities - Unsecured loan	72,611	772.46	3,133.89	137,000	0
원리금상환금액(만 원/연) Principal and interest repayment	72,611	999.28	4,533.94	697,760	0
순자산(만 원) Net worth	72,611	37,366.69	63,095.16	1,651,550	-148,335
경상소득(만 원/연) Current income	72,611	5,560.13	5,665.39	251,794	0
지출(만 원/연) Expenditure	72,611	2,540.01	1,754.62	28,750	32
소득대비상환액비중(%) Ratio of repayments to income	13,108	20.86	10.44	70	1