• Title/Summary/Keyword: 주택금융

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A Study on the Establishment of a Collaboration Relationship between Prime and Subcontractors in Korean Construction Industry - Focused on the Gangwon Area - (건설업 원.하청 기업간 협력관계 구축에 관한 연구 -강원지역을 중심으로-)

  • Kim, Jin-Bong;Kim, Seon-Gyoo
    • Korean Journal of Construction Engineering and Management
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    • v.9 no.3
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    • pp.95-107
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    • 2008
  • Recently, a size of the domestic construction industry Has been reduced rapidly, and its economic slump Has been continued with the government real estate stabilization and tax policies. Moreover, as the reconstruction of apartments that has been added high value to the construction companies has been on the stake of high risk with delays of reconstruction start and finance restriction policies, an uncertainty of the construction markets and the competitions between the construction companies has been increased. At this point, the establishment of a collaboration relationship between construction companies has been recognized as one of the methodologies to respond actively on these uncertainties and fierce competitions. A collaboration relationship between construction companies is based on the balanced cooperation relationship for surviving together, and should be maintained on the complement and specialized collaboration between big, middle and small contractors. This paper propose a model of practical collaboration relationship to cooperate together between prime and subcontractors in Korean construction companies based on the analysis of questionnaires to the collaboration status between general and subcontractors in the Gangwon area.

A Study on the Factors Affecting in Working Poor Household's Residential Ascend Mobility (근로빈곤가구의 주거 상향이동에 영향을 미치는 요인에 관한 연구)

  • Kim, Kyoung-Huy
    • Korean Journal of Social Welfare Studies
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    • v.40 no.3
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    • pp.149-179
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    • 2009
  • Purpose of this study is to know what is the factors affecting in working poor household's residential ascend mobility. As a result, Working poor household residential ascend mobility is affecting from age, education, work ability, household type, child, asset, public assistance, region, house position, minimum housing facilities, housing environment, education facilities, lastingness rental apartment, nation rental apartment, the lease of a house on a deposit basis, monthly rent, loaning delay times, debt. Main implication is as following Analysis. First, When housing policies establish, Working poor household's characteristics and individual characteristics should be considered enough by welfare policies aspect. For this, Rent assistance system have to be enforced for working poor household's house loan. Second, Working poor household's guarantee of financial Accessibility for house loan. Finally, Working poor household's residential problem may be solved though efforts that can heighten enough public information and the utilization rate about various in government's house policies.

Analyzing the Residential Mobility Factors of Low-Income Households (저소득가구의 주거이동 요인 분석)

  • Kang, Mi;Lee, Jae Woo
    • Korea Real Estate Review
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    • v.28 no.3
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    • pp.79-94
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    • 2018
  • This study analyzed the factors associated with residential mobility based on the data from the 11th to the 19th wave of the Korean Labor & Income Panel Study (KLIPS). After grouping low-income households within the first to the fourth income bracket into households that exhibited no income bracket change and those with income bracket changes during the research period, this study examined the effects of the income situation of each group on residential mobility. According to the results of the analysis, in the group of households that showed no low-income bracket change, significant effects were found only in the age of the head of the household, housing cost, and rental deposit (Jeonse) and monthly rental of the household. In the group of households that showed low-income bracket changes, findings were generally in line with those of the whole household, where total income and the number of full-time employees in the household were the same as those of the whole household, indicating that it would be necessary to improve the employment stability of low-income households. Based on the findings of this study, housing inequality is intensifying within low-income households, and, thus, housing policies, based on continuing surveys, must be implemented to enhance income opportunities and stabilize the housing needs of low-income households.

The Dynamic Relationship between Household Loans of Depository Institutions and Housing Prices after the Financial Crisis (금융위기 이후 예금취급기관 가계대출과 주택가격의 동태적 관계)

  • Han, Gyu-Sik
    • Asia-Pacific Journal of Business
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    • v.11 no.4
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    • pp.189-203
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    • 2020
  • Purpose - This study aims in analyzing the dynamic relationship between household loans and housing prices according to the characteristics of depository institutions after the financial crisis, identifying the recent trends between them, and making policy suggestions for stabilizing house prices. Design/methodology/approach - The monthly data used in this study are household loans, household loan interest rates, and housing prices ranging from January 2012 to May 2020, and came from ECOS of the Bank of Korea and Liiv-on of Kookmin Bank. This study used vector auto-regression, generalized impulse response function, and forecast error variance decomposition with the data so as to yield analysis results. Findings - The analysis of this study no more shows that the household loan interest rates in both deposit banks and non-bank deposit institutions had statistically significant effects on housing prices. Also, unlike the previous studies, there was statistically significant bi-directional causality between housing prices and household loans in neither deposit banks nor non-bank deposit institutions. Rather, it was found that there is a unidirectional causality from housing prices to household loans in deposit banks, which is considered that housing prices have one-sided effects on household loans due to the overheated housing market after the financial crisis. Research implications or Originality - As a result, Korea's housing market is closely related to deposit banks, and housing prices are acting as more dominant information variables than interest rates or loans under the long-term low interest rate trend. Therefore, in order to stabilize housing prices, the housing supply must be continuously made so that everyone can enjoy housing services equally. In addition, the expansion and reinforcement of the social security net should be realized systematically so as to stop households from being troubled with the housing price decline.

A Study on the Problems with Local Housing Association Business ane the Improvement Measures: Focusing on Integrated Changwon City (지역주택조합 사업의 문제점을 통한 개선방안 연구: 통합 창원시를 중심으로)

  • Kim, Min-Oh;Chung, Sam-Seok
    • Journal of the Korean Society of Industry Convergence
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    • v.24 no.6_2
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    • pp.715-727
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    • 2021
  • This research is to investigate the concept of Local Housing Association, and stepwise implementation procedure, through the theoretical consideration, and then to find out overall problems happening in the process of pushing ahead with Local Housing Association, including problems in the corresponding business stage, based on the cases of Local Housing Association that have been appearing in Changwon areas, Gyeongnam, and to present legal and policy directions for solutions to it, based on it. First, regarding improvement measures at the stage of promotion committee, it is necessary to introduce the system to report the establishment of promotion committee to cities, provinces, and districts under the jurisdiction of the location of overall business, for the establishment of association. In order to secure the professionalism of promotion committee, it is necessary to enforce those members to receive education and training for a certain period, and improve the system to post on Website or through public notices. Second, regarding improvement measures at the stage of the approval of establishment, Local Housing Association have difficulties in replacing members and joining new memberships, after getting the approval of the establishment, which can put the brake on business operation. Finally, in order to prevent crime actions, such as embezzlement or breach of duty, in advance, it is necessary to establish the institutional system that allows every member to check details of business fund. It is expected that this research would minimize side effects incurred by Local Housing Association System and help Local Housing Association take full institutional responsibility and play an axis of housing supply policy.

Development of a Feasibility Evaluation Model for Apartment Remodeling with the Number of Households Increasing at the Preliminary Stage (노후공동주택 세대수증가형 리모델링 사업의 기획단계 사업성평가 모델 개발)

  • Koh, Won-kyung;Yoon, Jong-sik;Yu, Il-han;Shin, Dong-woo;Jung, Dae-woon
    • Korean Journal of Construction Engineering and Management
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    • v.20 no.4
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    • pp.22-33
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    • 2019
  • The government has steadily revised and developed laws and systems for activating remodeling of apartments in response to the problems of aged apartments. However, despite such efforts, remodeling has yet to be activated. For many reasons, this study noted that there were no tools for reasonable profitability judgements and decision making in the preliminary stages of the remodeling project. Thus, the feasibility evaluation model was developed. Generally, the profitability judgements are made after the conceptual design. However, decisions to drive remodeling projects are made at the preliminary stage. So a feasibility evaluation model is required at the preliminary stage. Accordingly, In this study, a feasibility evaluation model was developed for determining preliminary stage profitability. Construction costs, business expenses, financial expenses, and generally sales revenue were calculated using the initial available information and remodeling variables derived through the existing cases. Through this process, we developed an algorithm that can give an overview of the return on investment. In addition, the preliminary stage feasibility evaluation model developed was applied to three cases to verify the applicability of the model. Although applied in three cases, the difference between the model's forecast and actual case values is less than 5%, which is considered highly applicable. If cases are expanded in the future, it will be a useful tool that can be used in actual work. The feasibility evaluation model developed in this study will support decision making by union members, and if the model is applied in different regions, it will be expected to help local governments to understand the size of possible remodeling projects.

Dynamic Changes of Urban Spatial Structure in Seoul: Focusing on a Relative Office Price Gradient (오피스 가격경사계수를 이용한 서울시 도시공간구조 변화 분석)

  • Ryu, Kang Min;Song, Ki Wook
    • Land and Housing Review
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    • v.12 no.3
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    • pp.11-26
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    • 2021
  • With the increasing demand for office space, there have been questions on how office rent distribution produces a change in the urban spatial structure in Seoul. The purpose of this paper is to investigate a relative price gradient and to present a time-series model that can quantitatively explain the dynamic changes in the urban spatial structure. The analysis was dealt with office rent above 3,306 m2 for the past 10 years from 1Q 2010 to 4Q 2019 within Seoul. A modified repeat sales model was employed. The main findings are briefly summarized as follows. First, according to the estimates of the office price gradient in the three major urban centers of Seoul, the CBD remained at a certain level with little change, while those in the GBD and the YBD continued to increase. This result reveals that the urban form of Seoul has shifted from monocentric to polycentric. This shows that the spatial distribution of companies has gradually accelerated decentralized concentration implying that the business networks have become significant. Second, contrary to small and medium-sized office buildings that have undertaken no change in the gradient, large office buildings have seen an increase in the gradient. The relative price gradients in small and medium-sized buildings were inversely proportional among the CBD, the GBD, and the YBD, implying their heterogeneous submarkets by office rent movements. Presumably, those differences in the submarkets were attributed to investment attraction, industrial competition, and the credit and preference of tenants. The findings are consistent with the hierarchical system identified in the Seoul 2030 Plan as well as the literature about Seoul's urban form. This research claims that the proposed method, based on the modified repeat sales model, is useful in understanding temporal dynamic changes. Moreover, the findings can provide implications for urban growth strategies under rapidly changing market conditions.

A Study on the Effect of Residential Environment Characteristics on Residential Satisfaction, Residential Ownership Consciousness, and Housing Movement: Focusing on MZ Generation in the COVID-19 Period (주거환경특성이 주거만족도, 주거보유의식과 주거이동에 미치는 영향 연구: 코로나19 시기의 MZ세대를 중심으로)

  • Yun-Hui, Hwang;Jaeho, Chung
    • Land and Housing Review
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    • v.14 no.1
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    • pp.47-66
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    • 2023
  • This study reviews prior studies on the residential environment characteristics, residential satisfaction, residential ownership consciousness and housing movement of MZ generation and analyze the structural equation models using the 2020 Korea Housing Survey data. Using 14 residential characteristics based on three classifications, we explore the effects on residential satisfaction, residential ownership consciousness, and housing movement. The empirical results are summarized as follows. First, based on factor analysis with Varimax of principal component analysis, parking facility items were excluded from the analysis by hindering validity, and as a result, KMO was 0.925 and Bartlett's test result showed a significant probability of less than 0.01. This indicates that the factor analysis model was suitable. Second, the results of the structural equation analysis for the MZ generation show that the surrounding environment, which is a potential variable of the residential environment characteristics, was statistically significant, but the accessibility and convenience were not statistically significant. Third, we find that the higher the satisfaction with the accessibility of commercial facilities, the more significant the sense of housing ownership appears. This suggests that the younger generation such as the MZ generation has a stronger desire for consumption. Fourth, the overall housing satisfaction of the MZ generation was significant for housing movement, but not for housing ownership. Compared to the industrialized generation, the baby boom generation, and the X generation, MZ generation shows distinct factors for housing satisfaction, housing ownership, and housing movement. Therefore, the residential environment characteristics of the residential survey should be improved and supplemented following the trend of the times. In addition, the government and local governments should prioritize actively participating in the housing market that suits the environment and characteristics of the target generation. Finally, our study provides implications regarding the need for housing-related research on how differ in special temporal situations such as COVID-19 in the future.

A Study on the Decline of Provincial Government Office of Jeollabuk-do in Modern Era (근대기 전라북도 지방관아의 쇠퇴에 관한 연구)

  • Oh, Jun-young;Kim, Young-mo
    • Korean Journal of Heritage: History & Science
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    • v.48 no.1
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    • pp.24-43
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    • 2015
  • This study constitutes an inquiry into the decline of Government Office(官衙) facilities carried out intensively during modern era, focusing on provincial government offices of Jeollabuk-do. There have been several studies of changes in provincial government offices till now, but there have been few studies of government offices of the counties and prefectures(郡縣) during the period of the Japanese Resident-General of Korea and after the National Liberation, temporally and there have still been lacking studies on Jeollabuk-do, spatially. Thus, this study attempts to empirically prove the reasons and the time of the decline of provincial government offices in Jeollabuk-do and the characteristics in the process of decline focusing on modern era. As a result of the study, four factors: demolition, abolition, appropriation and disaster had the most decisive impacts on the decline of government office facilities. Demolition refers to the destruction of government office facilities, and abolition, to the decline and the discontinuation of the operation of the facilities. Appropriation refers to conversion to facilities to meet public functions, and disaster, damage from a typhoon or fire. These factors had already been started from the 1900s, and by the 1930s, most of the government office facilities came to lose their original looks and functions. In the meantime, there was an essential purpose in demolition, the most direct factor in the destruction of the government office facilities in terms of function: that is new construction of public facilities necessary for administration and rule. The existing government office facilities were appropriated, sometimes, but behind that, many cases of demolition of the government office facilities for the new construction of public facilities are found. The appropriation of the government office facilities is divided into educational, administrative, financial and security facilities, and generally, Gaeksa(客舍) and Dongheon(東軒) were used respectively as educational and administrative facilities while their attached facilities were used as financial and public order and security facilities in general. Especially, some government office facilities were utilized as distinctive facilities such as housing or hospital. In the process of appropriation, a lot of modification occurred inside and outside the government office facilities, due to which, the government office facilities gradually declined losing their traditional styles.

A Study on Welfare Satisfaction of the University Hospital Radiological Technologist (대학병원방사선사의 복지만족에 관한 연구)

  • Jeong, Bong-Jae;Choi, Il-Hong;Park, Ji-Koon;Kang, Sang-Sik;Park, Hyung-Hu;Noh, Si-Cheol
    • Journal of the Korean Society of Radiology
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    • v.10 no.2
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    • pp.133-138
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    • 2016
  • This research is a study on the welfare satisfaction of radiological technologists in university hospital, and was conducted in order to analysis of welfare factors and improvements. The survey was conducted on radiological technologist of a university hospital in Gyeongnam from July 14th 2014 to August 14th 2014, and we analyzed 121 of the questionnaire, which was retrieved by distributing. As a result, we looked at the welfare level of satisfaction by welfare hospital factors, each of the satisfaction scores were living welfare supports($2.83{\pm}0.43$), financial supports($4.25{\pm}0.65$), housing supports($2.28{\pm}0.46$), educational supports($2.58{\pm}0.50$), health medical supports($3.02{\pm}0.56$), culture and leisure supports($2.79{\pm}0.45$), other welfare supports($2.70{\pm}0.48$) points. The level of satisfaction with the hospital welfare support factors of average score level it was analyzed. It is important that is providing effective hospital welfare through survey for hospital welfare needs and benchmarking of welfare system of general corporate.