• Title/Summary/Keyword: 가계 부채

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A Study on the Debt Burden and its Determinants of Urban Households (가계의 부채부담과 관련요인에 관한 연구)

  • 양세정
    • Journal of Families and Better Life
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    • v.13 no.1
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    • pp.207-219
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    • 1995
  • 본 연구는 우리나라 도시가계의 부채보유여부 및 부채부담의 관련요인을 규명하고자 하였다. 분석을 위하여 국민은행이 실시한 1990년도 가계금융이용실태조사 자료를 이용하였다. 부채보유여부의 관련요인분석을 위하여 로짓분석을 사용하였으며, 월평균가계소득에 대한 월평균부채상환액의 비율로 측정된 부채부담에 대한 관련요인의 분석을 위하여는 회귀분석을 사용하였다. 주요 연구결과는 다음과 같다. (1) 도시가계의 부채보유비율은 38.2%였고, 부채를 보유할 확률은 가계속득, 금융자산, 주택소유여부, 가구주 연령과 유의한 상관관계가 있었다. (2) 부채보유가구의 평균부채부담율은 33.99%였고, 부채부담은 가계소득, 금융자산, 부채원 수, 가구주 직업 및 거주지역과 유의한 상관관계가 있는 것으로 나타났다.

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An Empirical Study on the Influencing factors of Household Debt (가계부채의 결정요인에 관한 실증적 연구)

  • Lee, Shin-Nam
    • Journal of Digital Convergence
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    • v.14 no.5
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    • pp.177-183
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    • 2016
  • The purpose of this study is to analyze the affecting factors and debt characteristics with household debt. The method of analysis was used SPSS 22.0. The main results were as follows. First, psychological debt burden group were found to be lower academic background, more household members, job in agriculture, forestry and fisheries and women among demographic characteristics. This suggests the need for the governments who are interested in the risk from household debt. Second, psychological debt burden group showed higher level of debt and average monthly debt repayments. This study implies that it is necessary to do financial education and consulting. Third, psychological debt burden group seemed that the households with more the average monthly interest payments and repayments on income, the more total liabilities compared to total assets. As the ages get higher, it was gradually increased. It suggests that the development of psychological counseling program for debtor with household debt. Other factors(property prices or the financial environments) will be dealt with in the subsequent studies.

Analysis of Stress level of Korean Household Members due to Household Debt (한국국민의 가계 금융부채에 대한 체감도 분석)

  • Oh, Man-Suk;Hyun, Seung-Me
    • The Korean Journal of Applied Statistics
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    • v.22 no.2
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    • pp.297-307
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    • 2009
  • Korean household debt is one of the main sources of the current financial crisis. This paper studies the impact of household members' attributes such as a type of housing(self-own or rent), education, age, average monthly income of the head of household, and the area of residence, on the stress level of the household members due to household debt. We analyze a real data set collected by KB Kookmin Bank in 2004. We consider low and high stress level as a binary response variable and use a logistic regression model with the attributes of household members as explanatory variables. A simple but well-fitting model is selected by backward elimination method based on the likelihood statistic for goodness-of-fit test, and the impact of the attributes on the stress level is studied from parameter estimates of the selected model. We also perform the similar analysis on a binary response variable which distinguishes households with no debt from the rest. From the analysis, the stress level tends to be low for households with self-own houses, high average monthly income, low education level, and young members.

Determinants of Household Debt using a Hierarchical Aging-Period-Cohort Model: Baby-boomers with Middle-Aged & Older Adults (위계적 APC모델을 활용한 가계부채결정원인 분석: 베이비부머세대 포함 중·장년·노년층을 중심으로)

  • Kim, Jeungkun
    • The Journal of the Korea Contents Association
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    • v.17 no.9
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    • pp.396-405
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    • 2017
  • Main purpose of this study is to analyze determinants of household debt among middle and old individuals aged between 32 and 76 that include Korean baby-boomers(born between 1955 and 1963), using a HAPC (Hierarchical Age-Period-Cohort) model and Korean Welfare Panel Study 2006-2016. This study includes 86,056 individuals. Research findings indicate that aging and period effects have statistically significant relationships with household debt levels, however, cohort effects including a baby-boomer generation do not. While household debt increases by 3,530,000 Korean won as age increases by one year, the rate of increase in household debt reduces as individual ages. In addition, employment and health status at the individual level have significant effects on household debt levels. The unemployed are more likely than the employed to have high household debt levels while unhealthy people tend than healthy people to have high household debt levels.

Path Analysis of General Government Debt to Individual Suicide (국가채무가 자살에 이르는 경로분석)

  • Lee, Yong-Hwan;Bang, Hee-Myung
    • The Journal of the Korea Contents Association
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    • v.19 no.8
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    • pp.535-543
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    • 2019
  • This study was conducted to find a pathway from the general government debt to GDP ratio(GDR) to the age standardized Suicide Rate(suicide rate). The variables used in this study are GDR, the consumer price index for living necessaries(CPIL), the household debt to GDP ratio(Household Debt), and suicide rate. The data used in this study were standardized data from 2001 to 2015 of Korean Statistical Information Service(KOSIS) and the path analysis was performed using the analysis IBM SPSS 22 and Amos. As a result of the path analysis, the path of GDR-CPIL-Household Debt-Suicide rate, and the direct of effect were in order 0.954, 0.904 and 0.675 were confirmed. The indirect effect of GDR on Household Debt is 0.862, GDR on Sucide Rate is 0.581, CPIL on Suicide Rate is 0.610. Neither of these indirect effect coefficient was significant(p>0.05).

Impact of Indebtedness on the Risk of Domestic Violence (가계부채가 부부폭력의 위험에 미치는 영향)

  • Park, Jung Min;Park, Ho Jun;Oh, Ukchan
    • Korean Journal of Social Welfare Studies
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    • v.48 no.4
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    • pp.33-57
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    • 2017
  • As there is a growing concern about the steady increase in the consumer debt and its potential consequences on individuals and families, this study examined the association between personal debt and the risk of domestic violence, which in this study is referred to as violence between man and woman who have a spousal relationship. We used the data from the Korea Welfare Panel Study collected from 2009 to 2016. We applied a generalized estimating equation approach for the analysis of panel data. The results show that the higher the ratio of personal debt to disposable income and the ratio of debt payment to disposal income is, the greater the risk of domestic violence. While the debt to income ratio played a role regarding was related to a heightened risk of domestic violence among the poor group, the debt payment to income ratio was associated with a higher risk of domestic violence among the non-poor group. Implications of the study were discussed.

A Development of Household Debt Management Education and Counseling Programs (가계의 부채관리 교육 및 상담프로그램의 개발)

  • 최현자;성영애
    • Journal of Families and Better Life
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    • v.19 no.1
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    • pp.235-251
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    • 2001
  • The purposes of this study was to develop household debt management education and counseling programs. The issues related with the consumer use of credit were identified and the selected programs of the United States were analyzed to develop the education and counseling programs for Korean households. Curriculums for the debt management education in three subjects and the process for debt counseling were suggested. Debt management education program included the issues related to general credit management strategy, credit card usage, and debt burden. For debt counseling, worksheets of problem identification, budget analysis, and action planning were developed.

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A Study on Determinants of Subjective Repayment Burden in Household Debt by Income Quintile Groups (가구의 소득분위별 가계부채 주관적 상환부담요인에 관한 연구)

  • Park, Yoon-Tae;Rho, Jeong-Hyun
    • The Journal of the Korea Contents Association
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    • v.17 no.9
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    • pp.145-158
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    • 2017
  • Lately, rapid increase of household debt and economic change has affected cash flow of household, insolvent risk has increased by high repayment burden of the principal and interest. Previous researches was progressing various discussion, composed objective repayment burden index about household debt. But it was relatively insufficient about perception of consumer. This research compare and analysis determinants of subjective repayment burden in household debt by income quintile, using 2016 Household Financial Welfare Survey. The research result is follows. The income 1 and 2 quartile groups have the higher monthly rent and credit card loan and the housing preparation loan ratio, the higher burden on repayment of the principal and interest. The Income 3 and 4 quartile groups have the higher 60s or older and member of household and real estate mortgage loan, the higher burden on repayment of the principal and interest. The Income 5 quartile group has the higher loan ratio for debt repayment preparation, the higher burden on repayment of the principal and interest.

Economic Coping Behaviors of Rural Households with Debt - The Case of Choong-Nam Area - (부채농가의 경제적 대처행동 - 충남지역을 중심으로 -)

  • 손상희
    • 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.

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Study on Management Plan of the Financial Supervisory Service According to Increase of Risk of Household Debts (금융권 가계부채 위험증가에 따른 금융감독원 관리방안에 관한 연구)

  • Lee, YunHong
    • Korean Journal of Construction Engineering and Management
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    • v.19 no.2
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    • pp.96-106
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    • 2018
  • The government adopted activation policy of real estate to overcome low economic growth rate. Real estate activation plan adopted by the government raised credit limit by lowering the regulation, and reduced real estate investment cost by reducing the base rate. Also, delayed transfer tax on multi-house owner to activate real estate investment and resolved purchase right resale. Relief of real estate regulate caused increase of housing sales and price increase, and the real estate market changed to overheating aspect such as premium upon completion of lot sale in a short time. Such market atmosphere greatly increased household debs as owners own houses based on 'financial debt' instead of their income. Since 2017, real estate policy was reinforced to reduce household debts and lending rate was raised due to rise of base rate, accordingly, burden of household debt is expected to increase. This research suggested a plan for the Financial Supervisory Service to efficiently manage the financial world by analyzing the cause and problem of household debs.