• 대한가정학회지
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• 제34권5호
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• pp.209-222
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• 1996

The purpose of this study is to apply ratio analysis, which indicates the rate of income to total expenditure, to examine wage-earners' overspending in Korea. We use the Family Income and Expenditure Survey produced by National Statistical Office Republic of Korea and total sample size is 40,691 including households complete income reported. Through the t-test, among 17 expenditure categories, overspenders is likely to spend more on housing, apparel, medical, education, and leisure expenditures more than non-overspenders significantly. Interestingly, overspenders have more income, but less financial assets than non-overspenders. To analyze the effect of socio-demographic variables on overspending, ordinary least square is utilized. The results shows that the more educated, larger family size, and older consumer tend to overspend. The results of study are leaded into two aspects. First, overspending can be solved by consumer education with efficient financial management practice. Second, overspending may be not solved unless policies in various ways enhance the overall quality of living to lessen each household's budget constraints.

• 한국의류학회지
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• 제29권11호
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• pp.1498-1506
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• 2005

This study intended to identify the effects of consumer ethnocentrism and fashion leadership on purchasing attitude toward luxury brands. This study also identified differences in consumer ethnocentrism and fashion leadership according to demographic characteristics and the relationship between ethnocentrism and fashion leadership. The data used in this study were gathered through surveying university students living in Seoul using convenient sampling method, and 325 questionnaires were used in t test, F test, and regression analysis. The results showed significant differences in consumer ethnocentrism according to age, clothing expenditure, monthly pocket money and in fashion leadership according to age, major, clothing expenditure, monthly pocket money, and monthly household income. There was no significant relationship between consumer ethnocentrism and fashion leadership. Consumer ethnocentrism negatively influenced the purchasing attitude whereas fashion leadership influenced positively. The results of this study provide insights into young consumers' increasing demands toward luxury brands and suggest some promotional tools that might prove effective.

• 가정과삶의질연구
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• 제25권6호
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• pp.111-120
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• 2007

The purpose of this study was to investigate the relationship between householder's education level and the education expenditure for children. The Family Income and Expenditure Survey data of the 2005 National Statistical Survey were used to examine the hypothesis. For data analysis, ANOVA and regression method were applied. The results are as follows: House-holds in Seoul spent 533,000 won for child education per month on the average, and 64% of the expenditure was for private education. Households whose householder's education level was high spent more expenditures on public and private education for children than the households whose householder's education level was low. When the household income level was controlled, householder's education level affected only private education expenditure.

• 가정과삶의질연구
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• 제33권1호
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• pp.19-39
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• 2015

The purpose of the study was to examine the characteristics and economic status of deficit households. The data for this study were from The Household Income and Expenditure Survey in 2000, 2005, and 2010 conducted by the National Statistics Office (NSO). Deficit households were defined by those who had expenditures higher than their income. Among total households, the proportion of deficit households was 26.84% in 2000, 28.14% in 2005, and 27.15% in 2010. The average propensity to consume was 132.1 in 2005, which was higher than those in 2000 and 2010. Deficit households were classified into five types using cluster analysis: 1)overall-overconsumption group(33.07%), 2)basic needs group(26.33%), 3)transportation expenditure-dominated group(6.73%), 4)education expenditure-dominated group(27.63%), 5)health care expenditure-dominated group(6.24%). The overall-overconsumption group was the largest group of total households and the portion of this group among total households decreased by 4.97%p from 2005 to 2010. However, the education expenditure-dominated group increased by approximately 7.6%p over the period. It was also found that households in 2000 and 2010 were more likely to be in all five groups than households in 2005. Other major determinants of households with deficit were gender, age, number of family members, education level, dual income, home ownership, vehicle ownership, and income class.

• 한국생활과학회지
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• 제21권2호
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• pp.349-362
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• 2012

This paper explores differences demonstrated by changes of consumers' clothing expenditure in Korea and the United States since the mid-1990s. Evidence for this study was extrapolated from annual data provided by the Household Expenditure Survey, which was carried out in Korea between 1996 and 2008, and the Consumer Expenditure Survey, which was carried out in the United States during the same time period. The results include: (1) The proportion of the clothing expenditure decreased during the subject period in both Korea and the United States; (2) The decrease in proportional clothing expenditure was greater in Korea than in the United States; (3) Although the relative prices of clothes decreased greatly during this period in both countries, it was determined that the decrease in clothing prices in the United States was greater when compared to those in Korea; and (4) By using the DID(Difference in difference) model, the author contends that a decrease in clothing purchases contributed to the decrease of prices for clothing in the United States, while in Korea, the decrease in prices for clothing was also impacted by other factors including changes in household expenditures for education and communication.

• Human Ecology Research
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• 제60권2호
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• pp.289-302
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• 2022

This study examined the effect of private educational expenditure on adolescent depression and somatic symptoms. The sample comprised 2,589 first-grade middle-school students who completed the 2018 Korea Children and Youth Panel Survey. Data were analyzed using ANOVA (the generalized linear model), multiple regression, and quantile regression analysis. The principal results were as follows. First, 15.15% of adolescents reported depression symptoms, and 15.57% reported somatic symptoms. Second, levels of depression were significantly different among classes with a different level of private educational expenditure. Third, depression level was significantly negatively associated with private educational expenditure, in that the higher the private educational expenditure, the lower the depression level. Fourth, the effect of private educational expenditure on adolescent depression was significant at the 70~90th quantile regression, suggesting that private educational expenditure was associated with a higher level of depression symptoms. The results indicate that private education was viewed as a consumption commodity rather than a complementary educational practice or investment in human capital. Private education as a commodity might induce the highly developed and costly private education market. In turn, there is an increased financial burden for education at one end of the social-economic continuum and depression caused by relative deprivation at the other end.

• 대한교통학회지
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• 제23권8호
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• pp.67-75
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• 2005

본 연구에서는 미국의 소비자 지출(1984-2002) 자료를 이용하여 교통과 통신간의 상호연관성을 분석하였다. 먼저 소비자 지출 전체 항목 중 교통 및 통신 관련 항목을 12가지로 분류하였으며, 데이터의 수가 적어 이 세부항목을 다시 5개의 대 항목(대중교통, 차량구입, 차량운영, 전자통신매체 인쇄통신매체)으로 그룹화한 후 Linear Approximate Almost Ideal Demand System(LA/AIDS) 기법을 이용하여 소비자 수요 모형을 개발하였다. 또한 평균 소비자 지출 분담율을 기준으로 교통과 통신의 소득 및 가격 탄력성을 산출하였다. 모형추정결과, 교통과 통신의 상호관계는 항목별로 대체(예, 대중교통 이용과 전자통신미디어 이용) 및 보완(예, 개인차량 구입과 전자통신미디어 이용)관계가 있는 것으로 규명되었다. 그리고 교통관련 항목의 소비자 지출이 통신관련 항목의 지출보다 소득면에서 보다 탄력적인 것으로 나타났다.

• 복식문화학회:학술대회논문집
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• 복식문화학회 2000년도 International Costume Culture Conference
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• pp.29-31
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• 2000

• 가정과삶의질연구
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• 제28권1호
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• pp.159-174
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• 2010

The purpose of this study was to examine the health care expenditure of elderly single and elderly couple households whose head is more than 60 years old. The data analyzed for the study were Korean Retirement and Income Study(KRelS) conducted in 2007 by National Pension Corporation. The major finding of this study were as follows: First, the amount of health care expenditure of elderly single households was lower than that of elderly couple households. However, ratio of health care expenditure to total consumption expenditure of elderly single households was larger than that of elderly couple households. Second, the ratio of health care expenditure in consumption expenditure in this study was larger than the ratios in past analyse showed in the previous studies. Third, common factor affecting on health care expenditure of elderly single and elderly couple households was the existence of the family member with chronic disease or handicap. The health care expenditure of elderly singer households was influenced by income, gender and the ownership of national health insurance. The influence of income for elderly singer households seemed to be greater than for elderly couple households. The variables which affected health care expenditure of elderly couple households were age and housing tenure status. The amount and ratio health care expenditure were increased as the age increases. These results show that the health care expenditures for each groups varied according to socio-demographic variables and health-related behavior variables. It is suggested that there should be a discriminative health care policy for each elderly single and elderly couple households. In addition, the health care policy for the elderly households of which member has a chronic disease is certainly necessary. Especially a health care plan for the elderly single households with lower income is in need. For the elderly couple households, the priority group of health care policy would be the high age group.

• 한국유통학회지:유통연구
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• 제12권4호
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• pp.27-47
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• 2007

본 논문은 오프라인 쇼핑을 대체하는 새로운 유통 채널로서 뚜렷한 비중을 차지하고 있는 인터넷 및 TV 홈쇼핑에 대한 소비자들의 선택 결정 요인을 표본선택오차 문제를 고려한 헥킷 모형을 이용하여 분석하였다. 그 결과 연령이 낮을수록, 그리고 인터넷 경력, 인터넷 이용 시간, 보유 컴퓨터의 수 등에 있어서 인터넷 쇼핑 채널의 이용에 유리한 환경에 있을수록 인터넷 쇼핑에 대한 상대적 구매비중으로 측정한 인터넷 쇼핑에 대한 선호도가 높게 나타나고 있다. 반면에 성별이나 기혼여부 등 다른 인구통계학적 특성은 채널 간 구매비중에 유의한 영향을 미치고 있지 못하며, TV 시청시간이나 케이블 TV 서비스 타입 등 TV 홈쇼핑 이용 환경과 관련된 변수들 역시 별다른 유의한 영향을 미치지 못하는 것으로 나타났다. 또한 거래비용 절감의 유인이 큰 쇼핑빈도가 높은 구매자들일 수록 인터넷 쇼핑 채널을 TV홈쇼핑에 비해 상대적으로 많이 이용하는 것으로 나타났다. 채널 별 특성과 관련해서는 인터넷 쇼핑 채널이 TV 홈쇼핑 채널에 비해 편리하고, 신뢰할만하며, 신속하고, 다양하다는 구매자들의 인식이 인터넷 쇼핑 채널의 상대적 구매비중에 긍정적 영향을 주는 것으로 나타나고 있다. 반면에 인터넷 및 TV 홈쇼핑 유통 채널간의 가격 수준에 대한 인식은 이러한 상대적 구매비중에 별 다른 유의한 영향을 미치지 않는 것으로 나타났다.