• 가족자원경영과 정책
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• 제14권1호
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• pp.135-159
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• 2010

The purpose of the study was to investigate the characteristics and economic status of deficit households compared to surplus households. Data from The Household Income and Expenditure Survey 2005 by NSO and 50, 207 salary/wage earners' households were used for the analysis. The statistical methods used were GLM, logit, and cluster analyses. The analysis results showed that 25.3 percent of the households were deficit households. Approximately half of the lowest 20% income group were deficit households. Income deficit households earned 1, 273 thousand less than that of surplus households, whereas consumption of deficit households was 1, 006 thousand more than that of surplus households. The average propensity of consumption of deficit households was 142.1. According to the logit analysis, factors contributing to the probability of belonging to a deficit household included income level, household size, age and educational level, occupation, homeownership, car ownership, and wife's employment status. Deficit households were classified into 5 types: 1) health care expenditure-dominated group, 2) housing expenditure-dominated group, 3) education expenditure-dominated group, 4) money transfer-dominated group, and 5) overall-overconsumption group. The overall-overconsumption group was the largest group of all at 58.5%. It was found that for all five groups, the changes in household size, income group, home ownership, and occupation of the individual were variables that influenced the probability of belonging to a certain group.

• 대한가정학회:학술대회논문집
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• 대한가정학회 2003년도 제56차 정기총회 및 추계학술대회
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• pp.137-137
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• 2003

• 가정과삶의질연구
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• 제23권2호
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• pp.137-148
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• 2005

This study compared one-child households' economic structures between those who determined not to have more children and those who have a birth plan. This study examined the demographic characteristics and economic variables such as income, consumption expenditures, assets. debt, and a subjective evaluation of future economic status. Especially, it compared the effects of socioeconomic variables on expenditures on a child between low-fertility and birth-planned households. From a questionnaire completed by a husband or wife of one-child households, 154 low-fertility households and 201 birth-planned households were obtained. A t-test, chi-square test, multiple regression analysis and a dummy variable interaction technique were used. The findings of this study are as follows: First, low-fertility households were older, had higher income, and had more educated, employed wives. Their marital duration was longer, and their child was older than those of birth-planned households. Second, low-fertility households had higher consumption expenditures than did birth-planned households. Especially, expenditures of apparel and shoes, health care, education, and entertainment were significantly higher for low-fertility households. Also, low-fertility households spent more than did birth-planned households on a child. However, low-fertility households had significantly more debt than did their counterparts, and their expectation level of future economic status were lower than that of birth-planned households. Third, the effects of socioeconomic variables on expenditures on a child were different between low-fertility and birth-planned households. Age, education level, husband's occupation, wife's employment status, income, net asset, and subjective evaluation of future economic status showed significant differences. Income elasticity of expenditure on a child was significantly higher for low-fertility households than their counterparts.

• 경제분석
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• 제25권2호
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• pp.1-53
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• 2019

본 연구는 가계 일부가 부채 누적으로 신용시장에서 일정 한도 이상으로는 차입이 어려워 기간간 소비의 평활화(smoothing)에 제약을 받는 상황이 통화정책에 미치는 영향을 금융시장의 불완전성(incomplete financial markets)이 내재된 2주체 소규모 새케인지언 구조모형(Two Agents New Keynesian Model)을 통해 분석하고 있다. 생산비용 상승이라는 경제상황 변화가 있을 때 신용시장에서 차입한도제약을 받는 차입가계와 제약을 받지 않는 저축가계가 소비 및 노동공급에 대해 보이는 비대칭적 반응은 결국 두 가계간 통화정책 전달경로의 확장으로 이어진다. 물가갭과 생산갭을 동시에 고려하여 정책금리를 결정하는 신축적 물가목표 정책의 사회후생 수준은 차입가계 비중은 물론 모든 경제상황을 종합적으로 고려하여 정책금리를 결정하는 Ramsey 유형의 최적정책과는 비슷하고 순순하게 물가목표 달성만을 추구하는 엄격한 물가목표 정책의 사회후생 수준보다는 높았다. 이는 가계 일부가 차입한도제약을 받는 상황에서도 신축적 물가목표 정책이 여전히 유효함을 시사한다. 또한 생산비용 상승에 대하여 신축적 물가목표 정책과 최적정책 하에서 소비와 노동공급은 엄격한 물가목표 정책보다는 완만히 조정되는 것으로 나타났다.

• 광학세계
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• 통권167호
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• pp.19-23
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• 2017

최근 국내 실물경기는 수출 부진이 지속되는 가운데 건설투자 중심으로 내수가 완만하게 증가하는 추이를 보이고 있다. 내수는 설비투자가 부진한 반면 건설투자가 높은 증가세를 보이면서 전체 성장을 주도하고 있고, 민간소비는 완만한 증가세를 지속하고 있다. 수출은 전년에 이어 감소세가 지속 중이나, 금년들어 감소폭이 줄어들고 있다. 전체적으로 수출 부진에 따른 성장 둔화를 건설투자가 보전하는 구조로, 경제성장의 건설투자 의존이 심화되는 특징을 보이고 있다. 2017년 세계경제는 완만한 회복세가 이어지면서 전년보다 소폭 높은 성장을 보일 것으로 예상된다. 선진권의 경우 비교적 꾸준하고 완만한 성장세가 이어질 것이나, 중국은 완만한 성장 둔화 추이가 이어질 전망이다. 유가는 세계경제의 소폭 개선과 OPEC의 감산 합의 등으로 2017년 중 평균 배럴당 50달러 내외로 높아질 전망이며, 원/달러 환율은 연중 비교적 높은 변동성을 보이겠지만, 연평균 기준으로 전년과 비슷한 수준(1,150원대)이 예상된다. 2017년 국내경제는 수출 부진이 다소 완화되겠지만, 2016년 경제성장을 견인해 온 건설투자 증가세가 크게 둔화되고 구조조정 등이 민간소비 증가를 제약하면서 전년보다 약간 낮은 2.5% 내외 성장을 보일 것으로 예상된다. 전기비로는 상${\cdot}$하반기 비슷한 성장이 예상되지만, 전년 패턴의 기저효과로 전년동기비 성장률은 소폭의 上低下高 흐름이 예상된다. 대외적으로는 미국 신정부의 정책 기조와 연준의 금리인상, 중국의 성장 둔화 폭 확대 가능성 등이, 국내적으로는 가계부채 문제와 구조조정 여파 등이 주요 변수로 작용할 전망이다. 부문별로 살펴보면 민간소비는 유가 반등에 따른 소득 증가세 둔화, 가계부채 부담, 구조조정 여파 등이 제약요인으로 작용하면서 전년보다 소폭 낮은 연간 2% 내외의 증가세가 예상된다. 설비투자는 수출 부진의 완화에 힘입어 소폭 증가세가 예상되며, 건설투자는 전년의 높은 증가에 따른 기저효과와 건설규제 등에 따라 증가세가 크게 둔화될 전망이다. 수출은 세계경제의 소폭 개선과 유가 반등에 따른 단가 하락세 진정 등으로 증가세로 돌아설 것이나, 매우 완만한 흐름이 예상된다. 2017년 수출은 2.1%, 수입은 3.6% 증가하면서 무역수지는 전년보다 약간 줄어든 857억 달러의 흑자를 보일 전망이다.

• 대한가정학회지
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• 제47권1호
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• pp.25-43
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• 2009

The purpose of this study was to find how economic structures differ among four different household groups('enough', 'so so', 'a little difficult', 'very difficult') classified by subjective evaluation on their economic conditions. The data were drawn from 2004 Korean Labor and Income Panel Study conducted by Korea Labor Institute, and $X^2$-test and F-test were utilized by SPSS for Windows 10.0. The major findings were as following. First, the economic levels of household groups of 'enough' and 'so so' showed to be higher than the average. This result implies that households tend to evaluate by themselves their economic conditions comparing to the others. Second, the deviations of average economic levels among four different household groups were relatively bigger in household economic elements of liquid asset, monthly savings and insurance than the others, and relatively smaller in household economic elements of total expenditure, especially expenditures in food at home, education, medical, communication than the others. Third, the households of 'a little difficult' and 'very difficult' showed undesirable economic structures resulting from lack of savings and insurance for their future.

• 가정과삶의질연구
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• 제21권2호
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• pp.201-212
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• 2003

This study analyzed the objective indicators of household economic structures, such as income, expenditure, and debts, as well as a subjective evaluation of economic standards, and compared the households of commuting couples (so called Weekend couples) with those of non-commuting couples. Findings of this study are as follows. First, both husbands and wives in commuter marriages had a higher level of education, were younger, had poorer health, and had shorter working hours than the couples in non-commuter marriages. Second, commuting couples had a significantly higher income than non-commuting couples. In addition, commuting couples had a greater amount of savings, had a higher cost of living, and lower debts than non-commuting couples. Third, commuting couples evaluated their status of household economy more negatively than non-commuting couples. Despite the fact that the commuting couples were more affluent in terms of the objective indicators, including income, savings, and assets, their level of health and psychological well-being were compromised. Lastly, factors determining commuter marriages were the number of years the husband has spent in his job, and the husband's level of education. The shorter the tenure of the husband's job, and the higher the level of husband's education, the more likely the couple was in a commuter marriage.

• 가정과삶의질연구
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• 제15권4호
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• pp.165-182
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• 1997

The purpose of the study is to analyze the family economic status by wife's employment. The data used in the study was taken from 1994 Expenditure Survey of Urban Families. The results showed that 33.2% of family income of employed-wife families was from wife's earnings and employed-wife families took more family income compared to nonemployed-wife families. In total expenditure eployed-wife families spent more than nonemployed-wife families. Employed-wife families spent more than nonemployed-wife families these categories such as food away from home rent domestic services clothing & shoes education public transportation and miscellaneous; spent on health care utilities communication and private transportation. The amount of savings of employed-wife families was more than of nonemployed-wife families.

• KDI Journal of Economic Policy
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• 제33권3호
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• pp.57-85
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• 2011

본 연구는 저출산 고령화의 진전과 여성 경제활동참여 증대 등에 따른 가구구조 변화가 가계생산에 영향을 주어 서비스 수요를 변화시키는 효과를 분석한다. 특히 기존에 가계생산에 의존하던 가사노동 및 돌봄서비스 등을 시장서비스로 대체하는 과정에서 추가적인 서비스 수요가 발생할 수 있음을 이론적 실증적으로 분석하고 있다. 우선 3부문 시간배분모형을 통해 가계생산의 시장화가 서비스산업의 확장을 가져오는 메커니즘을 이론적으로 탐색하였다. 다음으로, 우리나라 가구구조 변화가 각 소비항목별 수요에 미치는 효과를 분석하기 위해 QUAIDS 수요분석모형에 따른 엥겔곡선을 추정하였다. 분석자료로는 "가계동향조사"를 이용하였다. 분석 결과에 따르면, 단신가구의 증가, 유배우가구의 감소, 6세 미만 자녀 가구의 감소와 같은 가구 구성의 변화, 그리고 맞벌이가구의 증가 등은 의료비, 교육훈련비, 가사서비스 등 전형적으로 가계생산서비스를 대체하는 시장서비스에 대한 수요를 증가시키고 있는 것으로 분석되었다.

• 가족자원경영과 정책
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• 제16권1호
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• pp.41-66
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• 2012

Recently, Korean baby boomers, which make up approximately 15% of the total population, have begun to retire. Their economic well being is one of Korea's most important social issues. The purpose of this study was to compare the economic structure of baby boomers' households with that of the prior generation, as well as to analyze the determinants of economic satisfaction from the perspective of "work" and "child educational burden." In addition, group comparisons were made regarding economic resource allocation between baby boomers and the prior generation and within baby boomers of different work and child educational burden statuses. Data from the 2nd wave of the Korean Longitudinal Study of Ageing (KLoSA), including baby boomers and the generation prior to the baby boomers, were used. The major findings were as follows. First, the baby boomers had a different economic structure, level of economic satisfaction, and economic resource allocation when compared to the prior generation. The economic structure of baby boomers in terms of income, expenditure, savings and assets, debts, and trust in policies significantly differed from their counterparts. Second, the determinants of economic satisfaction and the propensity of resource allocation were different depending on whether they worked or had a child educational burden, respectively. Based on these empirical results, policy implications for the future economic well being of baby boomers were provided.