Journal of Families and Better Life (가정과삶의질연구)

Korean Home Management Association (가정과삶의질학회)
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Investigation of the Critical Level of Household Debt Burden using Intertemporal Resource allocation Behavior

다기간자원배분양식의 분석을 통한 가계부채부담의 임계수준

  • 최현자 (서울대학교 생활과학대학 소비자학과)
  • Published : 2001.10.01
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Abstract

This study was peformed to identify a credit limit of the household. For this purpose, the differences in household economy by debt burden and the effects of debt burden on household economy was analyzed with the data of the Family Income and Expenditure Survey in 1999. The results showed that the household with debt burden, are likely to cut savings not consumption expenditures. The critical level of debt burden which distorts the household economy is found to be 25%. If the debt burden of the household exceeds 25%, they are no longer to save and ought to borrow to repay current debt.

Keywords

References

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