• Journal of the Korean Home Economics Association
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• v.50 no.4
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• pp.89-102
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• 2012

The purpose of this study was to demonstrate the effects of "characteristics for household management" and "attitudes toward household management" on wives' personal expenses. The data were obtained from the F-GENS Korea Panel Survey of Ochanomizu University. The responses were gathered from married people in Seoul and its surrounding metropolitan area. The sample for this study was comprised of 473 married women. ANOVA and multiple-regression models were used to analyze the data. The results are summarized below. First, 13.5 percent of the respondents have zero personal expenses. Second, the personal expenses among the wives differed depending on their annual average income levels. Also, their personal expenses differed based on their type of employment. Third, the "expenditure ratio for family" and "expenditure ratio for children" negatively affected their personal expenses. Fourth, the women who had responsibility for the management of their households had lower personal expenses than the others.

• Journal of Family Resource Management and Policy Review
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• v.18 no.1
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• pp.115-140
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• 2014

In light of today's socioeconomic scenario, life management skills, especially economic life management skills are essential. This study focuses on a household account book as a tool for economic education. This study aims to assess the characteristics of household economic management in terms of the effect of keeping a household account book on Japanese in their 20s to 30s in a single-family household. It also compares the awareness of the change in economic life behavior between before and after keeping a household account book. Moreover, it analyzes the determinants of continuity in keeping a household account book. This Study used data obtained from an Internet survey of household account books by the Institute for Research on Household Economics in Japan. The study sample consist of 1,255 Japanese in their 20s to 30s who kept household account records for a month as well as preliminary and post-survey information about these people. The results were as follows. First, the average annual income of the subjects was at most 3,000,000 yen; their level of financial assets was at most 1,000,000 yen, their economic life behavior became future-oriented after practice of keep a household account book in that they established a budget and savings plan. Second, keeping a household account book had a positive effect on the people that they have budget and spending plans for the next year. Finally, factors that affected the continuity in keeping a household account book included the experience of keeping one from before.

• Proceedings of the KHMA Conference
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• 2010.11a
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• pp.268-268
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• 2010

• Korea journal of population studies
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• v.29 no.3
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• pp.159-188
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• 2006

This study attempts to create a longitudinal dataset by linking tdata on the identical individuals across the monthly sample household management lists of the Economically Active Population Survey(EAPS) and the Household Income and Expenditure Survey(HIES). Using the data constructed through such process, the study also tryies to analyze the duration of longitudinal responses and the characteristics of nonrespondents. Between 1998 and 2002, longitudinal response rates had declined to 46% of total EAPS and 34% of total HIES. The fact that nonresponse was not a random phenomenon leads to concerns about the representativeness of the remaining sample. Using Cox's proportional hazard model the study revealed that the duration of longitudinal responses is affected by the ownership of house and the age of the respondent.

• Proceedings of the Korea Inteligent Information System Society Conference
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• 2001.06a
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• pp.261-281
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• 2001

IMF이후로 우리나라의 은행들은 현재 큰 구조조정을 맞이하고 있으며 이 속에서 살아남기 위하여 기존의 고객의 유형을 분석하고 이를 마케팅 전략에 활용하는 연구의 필요성이 높아지고 있다. 기존의 만은 연구들이 은행 고객들의 유형을 설문지 분석방법에 의존하여 몇 개의 군집으로 분류하고 이들의 집단 및 특성을 연구하였다 하지만 설문데이터의 경우 고객들의 실제적인 행동이 반영되지 못하는 한계점을 가지고 있다. 이에 본 연구에서는 C은행의 실제 고객 자료를 통하여 다양한 데이터마이닝 기법을 적용하여 고객을 세분화한 다음 고객이 가계성예금을 해지하고 다른 은행으로 이탈하는 집단의 특성을 분류하고 규칙을 도출하였다. 또한 이들을 관리하는 전략을 제시하였다.

• Journal of Families and Better Life
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• v.13 no.3
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• pp.134-143
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• 1995

본 연구는 부채농가의 재정향상을 위한 경제적 대처행동의 양상과 그 관련요인을 규명하고자 하였다. 이를 위해 충남지역 농촌가계들을 대상으로 수집한 자료를 이용하였는데 대처행동을 파악하기 위해서 요인분석을 대처행동에 대한 부채관련변수의 관련성을 보기 위해서 분산분석을, 관련변수들의 독립적인 영향력을 검증하기 위해서는 중회귀분석을 시행하였다. 주요 연구결과는 다음과 같다. (1) 농촌가계의 경제적 대처행동은 6개 속성으로 분류되 었으며 '소극적 노력', '절약 및 노동력활용', '적극적노력', '재정관리', '의존적 행동', '한계적 행동'의 순으로 자주 수행하는 것으로 밝혀졌다. (2) 부채관련변수 중에서 총부채액, 부채부담, 부채부담감은 각 대처행동에 대해서 다소 다른 관계를 보였다. 소득대비 부채상환액과 소득 대비 부채상환요구액으로 측정한 부채부담은 대처행동에 대해서 그 효과가 서로 다르게 나타났다. (3) 대처행동에 대한 독립적인 영향요인으로 밝혀진 부채관련변수와 소득 및 자산관련변수, 인구통계적 특성변수, 환경적 특성변수들은 각 행동에 대해 그 영향력이 다르게 나타났다.

• Journal of Intelligence and Information Systems
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• v.7 no.1
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• pp.177-197
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• 2001

This paper is aimed at proposing a data mining-driven analysis to manage the customer defection rate in the bank. After 1997 IMF crisis, Korean banks were suffering from hard-pressed restructuring. At the heart of such restructuring effects, there was the need to manage the customer more effectively than ever. So far, many banks in Korea used to a poor management of customers without any highly-skillful techniques. In line with this argument, we propose several data mining techniques to determine more effective technique far managing customer deflection. We applied three data mining techniques such as logit model, neural network, and C5.0. Experiment data were collected from personal deposit account data of a specific bank in Korea. After experiments, we found that C5.0 showed more robust performance compared to other two techniques. On the basis of those experiment results, we proposed customer defection management policy.

• KOREAN POULTRY JOURNAL
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• v.37 no.3 s.425
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• pp.103-105
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• 2005

옛부터 국내 재래닭은 우리나라 국민들의 식성에 알맞는 독특한 맛과 육질로 인하여 가든이나 토속 음식점 등에서 고가로 판매되면서 입지를 굳혀오고 있다. 일부 지역에서는 지역 특성에 맞는 브랜드를 상품등록하여 소비자들로부터 신뢰를 받는 농가들도 늘어가고 있다. 이런 가운데 축산연구소(소장 윤상기)에서는 빠르면 금년말 국내 순수 혈통을 자랑하는 재래닭이 상품등록을 마치고 공식 탄생할 예정이다. 축산연구소 가금과(과장 이덕수)는 이미 10년에 걸친 재래닭 복원작업을 마치고 3월중 특허청에 재래닭 3개 계통(흑색, 황갈색, 적갈색)에 대해 등록출원 준비를 마친 상태이다. 상표등록이 이루어질 경우 철저한 가계선발과 사양관리를 통해 고정된 국내 유일의 재래닭을 국제적으로 알리고 국내 소비자들에게 재래닭의 참맛을 전달하게 될 것으로 기대를 모으고 있다.

• The Journal of the Convergence on Culture Technology
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• v.4 no.1
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• pp.219-224
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• 2018

Financial Assets have various characteristics, the benefits from which create demands for the financial assets. Based on the financial benefits, this article analyzes the influential factors on Korean households' financial portfolios. Provided that profitability and safety remain constant, it shows that individuals' most preferred characteristics have a significant impact on their selection of financial assets. Main demographic variables and financial status can also be considered to be influential factors according to the financial asset categories. Additionally, a further study on the substitution between financial assets would be helpful for developing new financial instruments.

• KDI Journal of Economic Policy
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• v.32 no.4
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• pp.1-34
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• 2010

We conduct a comprehensive risk analysis of household debt in Korea for the first time using the whole sample credit bureau (CB) data of 2.2 million individual debtors. After analysing debt service capacity profiles of debtor groups classified by the borrower characteristics such as income, age, occupation, credit scoring, and the type of creditor business companies, we investigate the impact of interest rate and income changes on debt service-to-income ratios (DTIs) and default rates of respective debtor groups. Empirical results indicate that debt service burdens are relatively high for low income wage earners, high income self-employed, low income capital and card loan holders, and high income mutual savings loan holders. We also find that debtors from multiple financial companies are particularly weak in their debt service capacity. The scenario analysis indicates that financial companies, with the current level of capital buffers, may be able to absorb negative consequences arising from the increase in DTIs and loan default rates if the interest rate and income changes remain modest. However, the negative consequences may fall disproportionately on non-bank financial companies such as capital, credit card, and mutual savings banks, whose debtors' DTIs are already high. We also find that the refinancing risk of household debt is relatively high in Korea as more than half of household mortgage debts are bullet loans. As the DTIs of mortgage loan holders are already high, under the current DTI regulation, mortgage loans may not be readily refinanced especially when the interest rate rises. Disruptions in mortgage loan refinancing may put downward pressure on housing prices, which may in turn magnify refinancing risk under the current loan-to-value (LTV) regulation. Overall our analysis suggests that, for more effective monitoring of household debt risk, it is necessary to combine existing surveillance schemes based on macro aggregate indicators with more comprehensive and detailed risk analyses based on micro individual data.