退休金問題迫在眉睫，韓國年輕人湧向數位資產

最近的一項調查表明，大多數韓國年輕人對國民退休金體系的數位資產投資持正面態度。這種情緒源於對人口下降和低出生率導致退休金制度可持續性的擔憂。因此，許多年輕人正在探索另類投資選擇，儘管存在固有風險，但仍有相當多的人選擇了股票、債券、基金和加密資產。

South Korean Youth Embrace Digital Assets Amid Pension Concerns: Survey Highlights.

韓國年輕人在退休金擔憂中擁抱數位資產：調查亮點。

Seoul, South Korea - A recent survey conducted by the Korea Women's Policy Institute has revealed a significant shift in the investment preferences of South Korean youth, with a majority expressing a high level of optimism towards digital assets as an alternative to the national pension system.

韓國首爾 - 韓國婦女政策研究所最近進行的一項調查顯示，韓國年輕人的投資偏好發生了重大轉變，大多數人對數位資產作為國民退休金制度的替代方案表示高度樂觀。

Market Overview and Regulatory Landscape

市場概況與監理環境

South Korea has emerged as a significant market for cryptocurrency companies, with a robust regulatory framework that has fostered a stable environment for domestic players. Stringent regulations have limited foreign competition, allowing local firms to maintain a strong foothold. Only a select few crypto companies have been granted licenses to facilitate cryptocurrency-fiat currency transactions over the past several years.

韓國已成為加密貨幣公司的重要市場，其健全的監管框架為國內參與者創造了一個穩定的環境。嚴格的法規限制了外國競爭，使本地企業能夠保持強大的立足點。在過去的幾年裡，只有少數加密貨幣公司獲得了促進加密貨幣-法定貨幣交易的許可證。

Survey Findings: Pension Worries and Investment Choices

調查結果：退休金擔憂和投資選擇

The survey polled 1,152 individuals aged between 20 and 30 in July 2023. Its findings indicate that approximately 90% of respondents expressed concerns about their future pensions, citing fears of rising insurance costs driven by a declining population.

該調查於2023 年7 月對1,152 名年齡在20 歲至30 歲之間的人進行了調查。保險費用上漲。

South Korea's birth rate has reached record lows in recent years, prompting concerns about the sustainability of the national pension system. These concerns have led some businesses to offer substantial incentives to employees who choose to become parents.

近年來，韓國的出生率創下歷史新低，引發人們對國家退休金制度可持續性的擔憂。這些擔憂導致一些企業為選擇成為父母的員工提供實質激勵。

The survey further revealed that 57% of respondents had not made any retirement plans beyond the mandatory national pension contributions. However, 498 individuals indicated that they were actively exploring alternative retirement options.

調查進一步顯示，57%的受訪者除了強制性國民退休金繳款外沒有任何退休計畫。然而，498 人表示他們正在積極探索其他退休選項。

Growth in Digital Asset Investments

數位資產投資的成長

Notably, 52% of respondents stated that they were investing in "stocks, bonds, funds, and crypto assets." A significant proportion of these individuals expressed a belief that investments in such riskier assets offered greater returns compared to government-backed pension funds or bonds.

值得注意的是，52% 的受訪者表示他們正在投資「股票、債券、基金和加密資產」。這些人中很大一部分人表示相信，與政府支持的退休基金或債券相比，投資此類風險較高的資產可以提供更高的回報。

Data obtained from local cryptocurrency exchanges indicate a substantial surge in the number of cryptocurrency purchases made by South Korean youth aged 20-39 between 2020 and 2022. The exchanges reported a near-tripling of such purchases. Financial experts in South Korea now view cryptocurrency investments as an essential component of the financial landscape for young individuals.

從當地加密貨幣交易所獲得的數據顯示，2020 年至 2022 年間，韓國 20-39 歲年輕人購買加密貨幣的數量大幅增加。韓國的金融專家現在將加密貨幣投資視為年輕人金融領域的重要組成部分。

Political Implications

政治影響

Despite the relatively low percentage of South Koreans who currently invest in cryptocurrencies (approximately 10%), the topic has gained political traction as candidates seek to leverage crypto-focused agendas to garner support in upcoming elections.

儘管目前投資加密貨幣的韓國人比例相對較低（約 10%），但隨著候選人尋求利用以加密貨幣為重點的議程在即將到來的選舉中獲得支持，該話題已獲得政治關注。

Conclusion

結論

The Korea Women's Policy Institute survey highlights a growing trend among South Korean youth towards embracing digital assets as an alternative to traditional retirement savings options. The findings reflect the concerns of a generation facing an uncertain economic future and seeking alternative pathways to financial security. The survey also underscores the prominence of cryptocurrencies in South Korea's financial landscape and the potential impact of digital assets on the country's economic and political developments in the years to come.

韓國婦女政策研究所的調查突顯出，韓國年輕人越來越傾向於接受數位資產作為傳統退休儲蓄選擇的替代方案。調查結果反映了一代人面臨不確定的經濟未來並尋求其他財務安全途徑的擔憂。該調查還強調了加密貨幣在韓國金融格局中的重要性以及數位資產對未來幾年該國經濟和政治發展的潛在影響。