养老金问题迫在眉睫，韩国年轻人涌向数字资产

最近的一项调查表明，大多数韩国年轻人对国民养老金体系的数字资产投资持积极态度。这种情绪源于对人口下降和低出生率导致养老金制度可持续性的担忧。因此，许多年轻人正在探索另类投资选择，尽管存在固有风险，但仍有相当多的人选择了股票、债券、基金和加密资产。

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

韩国年轻人在养老金担忧中拥抱数字资产：调查亮点。

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.

韩国首尔 - 韩国妇女政策研究所最近进行的一项调查显示，韩国年轻人的投资偏好发生了重大转变，大多数人对数字资产作为国民养老金制度的替代方案表示高度乐观。

Market Overview and Regulatory Landscape

市场概况和监管环境

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.

韩国已成为加密货币公司的重要市场，其健全的监管框架为国内参与者营造了稳定的环境。严格的法规限制了外国竞争，使本地企业能够保持牢固的立足点。在过去的几年里，只有少数加密货币公司获得了促进加密货币-法定货币交易的许可证。

Survey Findings: Pension Worries and Investment Choices

调查结果：养老金担忧和投资选择

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.

该调查于 2023 年 7 月对 1,152 名年龄在 20 岁至 30 岁之间的人进行了调查。调查结果表明，约 90% 的受访者对未来的养老金表示担忧，理由是担心人口减少导致保险费用上涨。

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.

近年来，韩国的出生率创下历史新低，引发人们对国家养老金制度可持续性的担忧。这些担忧导致一些企业为选择成为父母的员工提供实质性激励。

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.

调查进一步显示，57%的受访者除了强制性国民养老金缴款外没有制定任何退休计划。然而，498 人表示他们正在积极探索其他退休选择。

Growth in Digital Asset Investments

数字资产投资的增长

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% 的受访者表示他们正在投资“股票、债券、基金和加密资产”。这些人中很大一部分人表示相信，与政府支持的养老基金或债券相比，投资此类风险较高的资产可以提供更高的回报。

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.

从当地加密货币交易所获得的数据显示，2020 年至 2022 年间，韩国 20-39 岁年轻人购买加密货币的数量大幅增加。交易所报告称，此类购买量几乎增加了两倍。韩国的金融专家现在将加密货币投资视为年轻人金融领域的重要组成部分。

Political Implications

政治影响

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.

尽管目前投资加密货币的韩国人比例相对较低（约 10%），但随着候选人寻求利用以加密货币为重点的议程在即将到来的选举中获得支持，该话题已获得政治关注。

Conclusion

结论

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.

韩国妇女政策研究所的调查突显出，韩国年轻人越来越倾向于接受数字资产作为传统退休储蓄选择的替代方案。调查结果反映了一代人面临不确定的经济未来并寻求其他财务安全途径的担忧。该调查还强调了加密货币在韩国金融格局中的重要性以及数字资产对未来几年该国经济和政治发展的潜在影响。