• 대한가정학회지
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• 제36권9호
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• pp.153-166
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• 1998

In this study commuter marriage was defined as a family in which working husband and wife, who have professional job having family orientation and job orientation, come and go lived separately for more than days a week for working in different region. This study examined the determinants of living separately the merits and demerits of commuter marriage, relation with family, family finance and household work for twelve case wives fitted for above definition, and the findings are as the following. The main cause of commuter marriage was wife's work place. The merits of commuter marriage were that wives can devote to their own increased time and that they had fresh feeling to their husbands. The demerit were mental burden to mother-in-laws and their mothers who take charge of home management and the high cost of living for double housekeeping. In the area of relation with family, they and their husbands call above one time per day for communication although they live separately for three or four days, do not insist on norms of living together, and overcome difficulties of commuter marriage well. In the area of family six couples used allowances method. They have high living cost like traffic expenses, telephone charges, and housing expenses because of double living. In the area of household work, they mainly manage family life with the help of household helpers like mother-in-laws or their own mothers.

• The Journal of Asian Finance, Economics and Business
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• 제1권4호
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• pp.5-13
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• 2014

This study contributes to addressing the problem of an aging population by providing important information that determines feasible monthly payments for the clients of Chinese reverse mortgage products and by promoting the implementation of reverse mortgages in China. The variables used in this study include mean values obtained from time series data, of the rate of increase of housing prices, and the probability value, interest rate, and mortality rate obtained through the geometric Brownian motion (GBM). For mortality rates, China Life Insurance female mortality rates (2000-2003) were used. This study aims to apply the main variables that affect reverse mortgage products in a monthly payment model based on Chinese financial market conditions, and determine loan values. In this study, Shanghai's reverse mortgage monthly payments, by age levels, were calculated through the loan-to-value (LTV) and payment (PMT) methods to evaluate the value of the reverse mortgages. Based on the optimal combination of the three factors of payment amount, loan interest rates, and the level of acceptance of prices, efforts must be made to extract the best value for the elderly. Only in this way can the interests of both lenders and borrowers be protected, by increasing the market share and economies of scale of the reverse mortgage industry and effectively improving the living standards of the elderly.

• The Journal of Asian Finance, Economics and Business
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• 제7권11호
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• pp.549-556
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• 2020

Real estate markets play an essential role in the economic development of both developed and developing countries. Investment decisions in private real estate demand the consideration of several qualitative and quantitative criteria. Especially in Vietnam, demand for housing, apartments are rising which has resulted because of the migration from rural to urban areas. This study aims to determine the influencing factors of the real estate purchasing behavior and then recommend a grey Multi-Criteria Decision Making (MCDM) support model to evaluate real estate alternatives based on a numerical example in Vietnam. A set of essential criteria are identified based on experts' opinion, and the proposed determinants are initial investment, maintenance cost, prestige location, distance to interesting places, parking lot, public transportation, property condition, total area size, number of rooms, and neighbors. The subjective weights were obtained by using the Decision-Making Trial and Evaluation Laboratory (DEMATEL) model, and the Grey Relational Analysis (GRA) technique is employed to prioritize and rank real estate alternatives. The results reveal that this approach can be useful to make purchasing decisions for many kinds of real estate property under uncertain business environments. These findings indicate that the presented hybrid model has advantages in granting flexibility to the preferences of decision makers.

• 한국중재학회지:중재연구
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• 제14권1호
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• pp.103-132
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• 2004

This paper suggests the establishment of construction arbitration tribunal in The Korean Commercial Arbitration Board or the construction arbitration institution under the Ministry of Construction for effective system of Construction Arbitration. Our conclusion tells that it is desirable to establish construction arbitration institution under the Ministry of Construction upon the result of analyzing some factors such as participation of construction workers, sophistication of construction field. In contrast, it is more desirable to establish the construction arbitration tribunal in The Korean Commercial Arbitration Board when we consider the feasibility, sophistication of ADR, organization, rules, arbitrator availability, internationalization Therefore, our final suggestion is to establish construction arbitration tribunal in The Korean Commercial Arbitration Board for effective system of Construction Arbitration. More detailed are as follows: . Establishment of the committee for resolution of construction disputes consisting of experts and specialists from construction-related institution, union, law firm and universities. 1 The committee manages finance, rules on construction arbitration and arbitrator members. 1 Establishment of intermediation team, construction arbitration team, housing arbitration team, real estate arbitration team under the construction arbitration tribunal . Establishment of a committee of arrangements consisting of experts and specialists from The Korean Association of Arbitration Studies, Korea Arbitrators Association, The Korean Commercial Arbitration Board, The Construction Association of Korea in order to accomplish effective system for construction arbitration.

• Communications for Statistical Applications and Methods
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• 제28권5호
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• pp.447-462
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• 2021

In insurance, the surrender rate is an important variable that threatens the sustainability of insurers and determines the profitability of the contract. Unlike other actuarial assumptions that determine the cash flow of an insurance contract, however, it is characterized by endogenous variables such as people's economic, social, and subjective decisions. Therefore, a microscopic approach is required to identify and analyze the factors that determine the lapse rate. Specifically, micro-level characteristics including the individual, demographic, microeconomic, and household characteristics of policyholders are necessary for the analysis. In this study, we select panel survey data of Korean Retirement Income Study (KReIS) with many diverse dimensions to determine which variables have a decisive effect on the lapse and apply the lasso regularized regression model to analyze it empirically. As the data contain many missing values, they are imputed using the random forest method. Among the household variables, we find that the non-existence of old dependents, the existence of young dependents, and employed family members increase the surrender rate. Among the individual variables, divorce, non-urban residential areas, apartment type of housing, non-ownership of homes, and bad relationship with siblings increase the lapse rate. Finally, among the financial variables, low income, low expenditure, the existence of children that incur child care expenditure, not expecting to bequest from spouse, not holding public health insurance, and expecting to benefit from a retirement pension increase the lapse rate. Some of these findings are consistent with those in the literature.

• 보건행정학회지
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• 제31권2호
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• pp.188-196
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• 2021

Background: This study purposed to analyze the relationship between extinction risk regions and amenable mortality. Methods: This was a cross-sectional study based on the statistics of 2018 which was extracted from the 228 administrative districts in Korea. Cause of death statistics on each region in 2018 was used to produce the age-adjusted amenable mortality. Regional characteristics were measured by demographic factors, health behavior factors, socioeconomic factors, and medical resources factors. Multiple linear regression model was applied to test their relationship. Results: Results showed that extinction risk regions, crude divorce rates, national cancer screening rates, and independent rate of finance were significantly related to the amenable mortality. Conclusion: The study demonstrated differences in health status by the extinction risks of regions. This study suggests that the use of customized community care program can provide integrated services such as housing, health care or the use of information and communications technology which can make early diagnosis.

• The Journal of Asian Finance, Economics and Business
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• 제8권7호
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• pp.671-679
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• 2021

House ownership is considered as one of the important pre-conditions for marriage in China. Given that gender imbalance is a prominent issue in the country, competition for marriage partners might motivate males to look for a house and probably bigger and more expensive house. This is believed to have caused house price hikes in recent years. This study aims to investigate the impact of gender imbalance on house prices using data from 30 provinces in China for the 2000-2017 period. The results based on the generalized method of moments (GMM) estimations show that house price is strongly influenced by gender imbalance. However, there is no evidence to support differential effects across eastern and mid-western regions. One potential reason is that pre-marriage house ownership has become a common culture for the whole community and therefore it does not vary significantly across regions. There are several important policy implications. Firstly, the issues should be addressed by the policymakers at national level and not regional level. Secondly, the government should intervene to bring back gender ratio to its normal level. Finally, the government should limit the number of houses people can buy and increase the supply of houses in the market.

• 한국경제지리학회지
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• 제24권1호
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• pp.76-101
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• 2021

본 연구는 공간 금융화의 방식으로써 토큰화의 가능성을 탐구하기 위해 Meridio와 Quantm RE의 사례를 분석한다. 공간의 토큰화는 블록체인 기술과 증권형 토큰 공개(STO)에 기초한다. Meridio와 Quantm RE는 구분소유권 거래를 바탕으로 공간을 토큰으로 만드는 금융모형을 제시하는데, 특히 QuantmRE는 주택소유자가 부채 없이 주택지분 거래를 통해 현금을 확보할 수 있게 한다. 이와 같은 방식은 대출이 아닌 매매의 형태를 취함으로써 금융기관이 대출에 대한 규제를 우회하고, 더 이상 부채를 늘릴 수 없는 하우스푸어가 주택으로부터 현금을 얻을 수 있게 해준다. 따라서 공간의 토큰화는 2008년 금융위기 이후에도 여전히 공간의 금융화를 재생산하는 대안이 될 수 있다. 그리고 하우스푸어에 대한 추가적 투자는 불황 주택시장의 저소득층 주거지역을 다시 투자지역으로 부상시켜서 금융화의 지리적 확장을 실현할 수 있다.

• 대한토목학회논문집
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• 제42권6호
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• pp.869-877
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• 2022

본 연구의 목적은 주택연금 중도해지자의 재가입 소요기간 결정요인을 실증분석하는 것이다. 실증분석을 위하여 주택연금을 운용 중인 한국주택금융공사 DB에서 2007년 7월부터 2021년 6월까지 중도해지 후 재가입자에 관한 정보를 추출하였다. 순서형로짓모형을 통한 실증분석 결과, 첫째, 가입자 개인 특성 중 연령대 변동, 부부에서 독신으로 변동, 독신 유지, 최초가입 유지기간 변수들이 통계적으로 유의하였고, 이 중 최초가입 유지기간이 재가입 소요기간을 단축시키는 요인으로 추정되었다. 둘째, 담보주택 특성 중 주택가격 변동과 소유형태 변동 변수들이 통계적으로 유의하였고, 이 중 소유형태 변동이 재가입 소요기간을 단축시키는 요인으로 추정되었다. 셋째, 계약 특성 중 지급방식 변동과 지급유형 변동변수들이 통계적으로 유의하였고, 이 두 변수들은 모두 재가입 소요기간을 증가시키는 요인으로 추정되었다. 실증분석 결과를 바탕으로 재가입 소요기간을 증가시키는 요인에 초점을 맞춘 제도개선을 통하여 중도해지자의 재가입을 유도하는 것과 동시에 소요기간을 단축시키는 것이 필요할 것으로 사료된다.

• 지적과 국토정보
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• 제49권2호
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• pp.39-56
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• 2019

단선 일방통행 방식을 지하철 노선으로 도입한 사례는 국외에도 흔치 않은 사례이다. 국내에서는 서울 지하철 6호선의 응암순환선이 대표적인 단선 일방통행 방식의 구간이다. 본 연구는 이러한 응암순환선과 연립다세대 매매가격의 관계를 역과의 인접성 및 특징에 따른 효과를 규명하고자 하였다. 본 연구에서는 2006년부터 2017년까지의 총 17,938건의 연립다세대 매매가격의 자료를 활용하여 헤도닉가격모형을 이용한 분석을 진행하였다. 주요 분석의 결과는 다음과 같다. 첫째, 응암순환선특성으로 지하철역과의 인접성이 매매가격에 중요한 영향을 미친다는 것을 확인할 수 있었다. 거리구간별로는 100-200m 구간의 가격수준이 가장 높았고, 노선의 구조적 특징과 관련해서는 주요 지역으로의 이동성과 연결성이 우수한 불광역을 보행권으로 하는 연립다세대의 매매가격이 높게 나타났다. 둘째, 입지특성으로 버스정류장, 마트, 학교와 인접할수록 매매가격에 긍정적 효과를 미치는 것으로 분석되었다. 셋째, 연립다세대의 토지특성으로 토지면적은 작을수록 매매가격이 높았고, 토지의 세부적 특성인 형상과 방위, 도로접면에 따라서 매매가격에 미치는 유의적인 차이를 확인하였다. 넷째, 건물 및 소재층특성과 관련하여 주택유형과 건물규모, 경과연수, 승강기유무, 소재층에 따라 매매가격에 미치는 영향의 정도가 다른 것으로 분석되었다. 본 연구는 지하철역과의 인접성 및 특징에 따라 연립다세대의 가격에 미치는 효과가 상이하다는 것을 보여줌으로써 비아파트 수요변화에 대응한 주택가격 분석을 위한 참고자료로 활용되고자 한다.