• KDI Journal of Economic Policy
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• 제30권2호
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• pp.1-26
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• 2008

본고에서 우리는 한국의 주택 부 효과의 크기를 재검토한다. 이를 위해 주택가격 상승에 대한 주택 보유자 소비지출의 반응인 '순수한' 주택 부 효과의 크기를 알아보는 데 중점을 둔다. 순수한 주택 부 효과를 측정하기 위해 거시시계열 자료를 이용할 경우, 주택 보유여부와 적절한 소비지출변수의 선정이라는 두 가지 문제가 제기된다. 우리는 먼저 비 주택 소비(non-housing consumption)가 보다 적절한 소비지출변수임을 보이며, 그 이유로 주택소비(housing consumption)의 상당 부분이 주택 보유자들의 실제로 지불하지 않는 귀속임대료(imputed rents)임을 제시한다. 이어서 우리는 거시시계열 자료로부터 구한 주택 부 효과의 크기를 얼마나 수정해야 주택보유자에의 순수한 주택 부 효과를 추정할 수 있는가를 살펴본다. 이를 위해 두 개의 구조적 모형을 설정하여, 전체 소비지출 중에서 주택 보유자 소비지출의 비중을 추정한다. 주택 보유자의 소비지출 비중을 감안하여 수정된 주택부의 효과는, 거시시계열을 이용하여 구한 통상적인 주택 부 효과의 추정치보다 크게 나타난다.

• 대한토목학회논문집
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• 제30권3D호
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• pp.313-321
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• 2010

본 연구는 부산시의 주택순환과정을 살펴보기 위해 가구의 생애주기에 따른 주거이동 특성을 분석하였는데, 설문조사는 부산시 거주 만 40세 이상의 성인들을 대상으로 결혼 이후 현재까지의 주거이동에 대한 주거경력을 조사하였다. 통계자료 분석의 결과와 설문조사 결과는 모든 항목에서 유사한 결과를 보였는데 이를 정리하면 다음과 같다. 설문대상자들이 현재 거주하고 있는 주택을 살펴보면, 주택유형은 아파트가 절대적으로 높은 비율을 차지하고 있으며, 주택의 점유형태는 자가소유이며, 주택규모는 30평형대, 거주기간은 6년 이상 10년 미만이다. 주택자금마련 방법은 저축과 은행대출이 대다수를 차지하고 있는데, 현재 가구의 소득만으로는 자가소유의 희망주택을 마련하는 것이 불가능함에도 불구하고 주택금융을 활용하여 내집마련을 하는 주거문화는 임대료를 지불하고 임차소유를 하는 외국과는 다소 다른 우리의 주거문화이다. 그러나 주거만족도의 측면에서 주거이동은 주택규모를 확장시키고 점유형태를 변화시켰기 때문에 주거이동으로 인해 대부분의 가구가 주거의 질이 향상되었다고 인식하고 있으며, 현재의 주거에 대해 매우 높은 만족감을 보인다.

• The Journal of Asian Finance, Economics and Business
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• 제6권3호
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• pp.185-192
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• 2019

This study is to explore the relationship between the Fourth Industrial Revolution and the environment using the big data methodology. We scrutinize the trend of the Fourth Industrial revolution, in association with the environment, and provide implications for a more desirable future environmental policy. The results show that the Industrial Revolution has been generally perceived as negative to environment before the 2010s, while it has been widely regarded as positive after the period. It is highly expected that the Fourth Industrial Revolution will be capable of functioning as a new alternative to enhance the quality of the biophysical and social environment. This study justifies that the new wave of technological development may serve as a cure for the enhancement of the environmental quality. The positive linkage between the new technological development and the environment from this study clearly indicates that the environmental industry and environmental technologies will be key economic factors in the next-generation society. They should be of critical importance in shaping our cities into clearer and greener spaces, and people will continuously depend on the development of new environmental technologies in order to correct environmental damages.

• 유통과학연구
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• 제18권2호
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• pp.69-77
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• 2020

Purpose - This paper is aimed to analyze the effects of the mandatory closing regulation targeting large retailers, which has been implemented since 2012 to protect small retailers. We examine the changes in consumers' choice of retailers and their purchasing patterns of agri-food following the implementation of such regulation. Research design, data, and methodology - Household spending patterns were identified through the historical data of household food purchase, consumer panel provided by the Rural Development Administration. Clustering was employed to determine the household spending patterns. Moreover, the different household spending patterns before and after the regulation were comparatively studied. The patterns of consumers' choice of retail stores and shopping baskets by the type of retailers, derived from the respective datasets before and after the regulation, were compared to analyze the effects of the regulation. Results -After the regulation, some consumers who used to shop at large retailers before the regulation changed their shopping places to small retailers. However, the product categories that consumers had mainly purchased before the regulation were rarely changed even after the regulation. Conclusions - Although the regulation helped migrate some of the consumers to small retailers, the regulation seemed to have failed to stimulate consumers to purchase the goods, normally bought at large retailers, from traditional markets. In other words, traditional markets are not effective substitutes for regulation-affected retailers.

• 아태비즈니스연구
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• 제15권1호
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• pp.239-256
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• 2024

Purpose - The purpose of this study was to examine the main determinants of the gap between housing demand and house affordability. Design/methodology/approach - This study used the micro-level data of 60,043 households from Korea Housing-Finance Corporation by covering the period 2011 to 2022. Findings - First, the trend of general housing demand showed a higher figure in the future demand than in current demand. And such a tendency showed in all types of households, a relative young, low income, and single households. In the case of current housing demand, it has increased by 2022 from the beginning of 2013, while the future demand has rapidly increased from 2020. Second, although the house affordability showed a higher figure in current housing demand by 2019, its trend changed to be higher in future housing demand from 2020 by a rapid decreasing affordbility in current demand. In the case of young householders, the current house affordability was higher than that of future. The figure of low income householders was below 1 point in both periods, and house affordability of single householders showed a similar level in both periods. which showed over 1 point. Third, financial regulation on housing markets induced th widening of the gap between housing demand and house affordability, and such a trend is much atronger in the future(potential) gap of demand and affordability. More specifically, the strengthen financial regulation leaded to the widening of the gap in all types of households, a relative young, low income, and single households. Research implications or Originality - The effect of financial regulation is necessary to consider under the features of each households.

• 한국건설관리학회논문집
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• 제2권1호
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• pp.57-67
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• 2001

1999년 현재 총 주택 재고 1천 백만 호 중 공동주택은 약 $57.5{\%}$를 차지하고 있다. 대부분의 공동주택은 공용부분에 대한 극히 부분적인 유지보수와 개별세대를 위주로 리모델링이 이루어지고 있어서 관리의 효율성이 낮고 사회경제적인 낭비를 초래하고 있다. 정부에서는 ‘주택건설촉진법'과 '공동주택관리령'을 제정하여 공동주택을 효과적으로 관리하기 위한 노력을 기울이고 있지만 운영상 많은 문제점이 나타나고 있다. 이러한 문제점을 해결하기 위하여, 이 논문은 문헌조사, 설문 및 면담조사를 바탕으로 우리나라의 공통주택관리방식, 금융$\cdot$세제상 지원, 특별수선충당금 적립, 자재품질 및 설계기준 그리고 리모델링 관련 법령 측면에서 공동주택의 리모델링을 활성화할 수 있는 방안을 제시하였다.

• 한국주거학회논문집
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• 제25권3호
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• pp.131-143
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• 2014

The purpose of this study is to develop an operation manual of resident-driven community program by evaluating community program operation to realize a sustainable apartment complex and vitalize a community. To achieve this purpose, 8 community experts, who are in charge of 42 complexes of 7 autonomous districts among 25 districts in Seoul were interviewed from September 2013 to December 2013. Main results of the study are as follows. 1) Operational problems and improvements are deduced from evaluating operation process of community programs. It is found that smooth cooperation of main operators including a community vitalization association, a resident representative meeting and a control office is the most important. 2) Operation guideline for representative programs are suggested based on analysis of operational characteristics of 3 types of community programs; communication, recycling and environment management, according to program operation elements; material element, programming element, human element and finance element. 3) An operation manual of resident-oriented community program is presented after considering evaluation of operation processes and analysis of 3 types of operational elements of community programs.

• 토지주택연구
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• 제4권2호
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• pp.133-144
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• 2013

It is commonplace to refer to the Nordic countries of Sweden, Norway, Denmark, Finland and Iceland as a distinctive and homogenous welfare regime. As far as social housing is concerned, however, the institutional heritage of the respective countries significantly frames the ways in which social housing is understood, regulated and subsidized, and, in turn, how housing regimes respond to the general challenges to the national welfare states. The paper presents a historical institutionalist approach to understanding the diversity of regime responses in the modern era characterized by increasing marketization, welfare criticism and internationalization. The aim is to provide outside readers a theoretically guided empirical insight into Scandinavian social housing policy. The paper first lines up the core of the inbuilt argument of historical institutionalism in housing policy. Secondly, it briefly introduces the distinctive ideal typical features of the five housing regimes, which reveals the first internal distinction between the universal policies of Sweden and Denmark selective policies of Iceland and Finland. The Norwegian case constitutes a transitional model from general to selective during the past quarter of a decade. The third section then concentrates on the differences between Denmark, Sweden and Norway in which social housing is, our was originally, embedded in a universal welfare policy targeting the general level of housing quality for the entire population. Differences stand out, however, between finance, ownership, regulation and governance. The historical institutional argument is, that these differences frame the way in which actors operating on the respective policy arenas can and do respond to challenges. Here, in this section we lose Norway, which de facto has come to operate in a residual manner, due to contemporary effects of the long historical heritage of home ownership. The fourth section then discusses the recent challenges of welfare criticism, internationalization and marketization to the universal models in Denmark and Sweden. Here, it is argued that the institutional differences between the Swedish model of municipal ownership and the Danish model of independent cooperative social housing associations provides different sources of resistance to the prospective dismantlement of social housing as we know it. The fifth section presents the recent Danish reform of the governance model of social housing policy in which the housing associations are conceived of as 'dialogue partners' in the local housing policy, expected to create solutions to, rather than produce problems in social housing areas. The reform testifies to the strategic ability of the Danish social housing associations to employ their historically grounded institutional relative independence of the public system.

• 국제지역연구
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• 제14권3호
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• pp.246-263
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• 2010

본 연구에서는 2000년 이후 미국의 주택가격과 물가의 장기적 관계가 어떻게 변화하고 있는지를 분석하였다. 분석 모형은 벡터오차수정모형(VECM)을 이용하였으며, 모형을 통해 공적분 검정과 장기균형식 추정 그리고 그랜저 인과검정을 실시하였다. 데이터 기간은 1975년 1분기부터 2010년 2분기까지이며, 모형 추정 및 검정 기간의 최종 시점을 2000년 1분기부터 한 분기씩 늘려나가는 축차적(recursive) 방식을 택하였다. 실증 분석 결과는 다음과 같다. 첫째, 서브 프라임 모기지 사태 이전의 주택가격이 급등했던 시기에도 주택가격과 물가는 안정적인 장기균형관계를 유지하였다. 둘째, 주택가격과 물가의 장기 균형 관계가 2007년 이후 상당한 변화를 보였으며, 장기균형 이탈에 대한 주택가격변수의 조정 계수도 이론적인 부호와는 반대로 나타나고 있다. 이러한 결과는 2007년 이후의 주택 가격 하락이 물가와 주택가격의 안정적인 장기균형의 회복을 위한 주택가격 자체의 조정이라고 보기는 어렵다는 것을 시사한다. 셋째, 그랜저 인과검정 결과 10% 유의수준 하에서 물가가 주택가격을 그랜저-코즈 하는 것으로 나타났으며, 주택가격이 물가를 그랜저-코즈 하는가에 대한 검정은 기각되었다.

• 유통과학연구
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• 제12권4호
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• pp.31-39
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• 2014

Purpose - This study investigates the following two issues. First, we attempt to find the important determinants of housing investment and to identify their significance rank using survey panel data. Recently, the expansion of global uncertainty in the real estate market has directly and indirectly influenced the Korean housing market; households demonstrate a sensitive reaction to changes in that market. Therefore, this study aims to draw conclusions from understanding how the impact of financial strength of the household is related to house investment. Second, we attempt to verify the effectiveness of diverse indices of financial strength such as DTI, LTV, and PIR as measures to monitor the housing market. In the continuous housing market recession after the global crisis, the government places top priority on residence stability. However, the government still imposes forceful restraints on indices of financial strength. We believe this study verifies the utility of these regulations when used in the housing market. Research design, data, and methodology - The data source for this study is the "National Survey of Tax and Benefit" from 2007 (1st) to 2011 (5th) by the Korea Institute of Public Finance. Based on this survey data, we use panel data of 3,838 households that have been surveyed continuously for 5 years. We sort the base variables according to relevance of house investment criteria using the decision tree model (DTM), which is the standard decision-making model for data-mining techniques. The DTM method is known as a powerful methodology to identify contributory variables for predictive power. In addition, we analyze how important explanatory variables and the financial strength index of households affect housing investment with the binary logistic multi-regressive model. Based on the analyses, we conclude that the financial strength index has a significant role in house investment demand. Results - The results of this research are as follows: 1) The determinants of housing investment are age, consumption expenditures, income, total assets, rent deposit, housing price, habits satisfaction, housing scale, number of household members, and debt related to housing. 2) The impact power of these determinants has changed more or less annually due to economic situations and housing market conditions. The level of consumption expenditure and income are the main determinants before 2009; however, the determinants of housing investment changed to indices of the financial strength of households, i.e., DTI, LTV, and PIR, after 2009. 3) Most of all, since 2009, housing loans has been a more important variable than the level of consumption in making housing market decisions. Conclusions - The results of this research show that sound financing of households has a stronger effect on housing investment than reduced consumption expenditures. At the same time, the key indices that must be monitored by the government under economic emergency conditions differ from those requiring monitoring under normal market conditions; therefore, political indices to encourage and promote the housing market must be divided based on market conditions.