• 한국생활과학회지
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• 제18권1호
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• pp.123-136
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• 2009

Debt and credit problems in Korea have been escalated during the past decade. The number of people with debt and credit problems is in its historic high. In May 2008, about 2.48 million debtors are officially classified as bad debtors and 7.20 million people have low credit scores. People with low credit scores are in disadvantageous situation in the financial market thus their financial transactions and activities are limited. In 2004, Korean government introduced various credit rehabilitation programs. However, most of these problems are remedial in nature and preventive programs such as credit counseling and debtor education are lacking. The purpose of this review is to examine US credit counseling and debtor education programs to obtain insights for preventive credit program developments in Korea. The review focused on programs offered through National Foundation for Credit Counseling, Jump Start, and Cooperative Extension Services from two large land grant Universities. From the program review suggestions and recommendations for educational contents, program and educator developments, and program quality control were discussed.

• 가정과삶의질연구
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• 제25권2호
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• pp.155-172
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• 2007

This study is a qualitative analysis aimed at facilitating a plan of social support for heavy debtors. for this purpose, the status of issues related to heavy debtors in Japan is considered, and more is revealed about the status of operation for non-profit organizations and groups of heavy debtor victims as counseling agencies for heavy debtors. In addition, through interviews conducted with the counselors of these organizations, a survey has been made on whether the credit counseling provides particular functions for and increases the satisfaction of debtors. The root of Japan's large number of heavy debtors lay in that country's excessive growth of consumer financing, the increase of its use, the structural problems on the lending system of consumer financing and legal insufficiency, to name of few fundamental problems. The interviews on debtor counseling in private organizations revealed that the debtors being counseled showed a great change, due primarily to group counseling and activities, in such aspects as psychological stability, learning and understanding about heavy debts and willingness to take action for solving their own problems. In addition, regarding the aspects of time and cost, specialty, mutual exchange of experienced persons, psychological care and educational functions, the importance of the debtor counseling group's role has been established. To improve the problems of heavy debtors in Korea, there is a need to promote the importance of debtor counseling increase the interest and support of the administration, create a sense of solidarity among related organizations and promote public education on consumer credit. The support of the consumer credit industry and the development of human resources are also badly needed.

• 디지털융복합연구
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• 제14권5호
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• pp.177-183
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• 2016

본 연구의 목적은 부채보유 가계를 대상으로 가계부채에 미치는 결정요인에 대하여 분석하고자 한 연구이다. 분석 방법으로는 SPSS 22.0을 사용하였다. 연구결과는 다음과 같다. 첫째, 부채보유 가계를 대상으로 검증한 결과, 인구통계학적 특성으로는 학력이 낮을수록, 나이가 많을수록, 직업은 농림 및 어업에서 그리고 가구원 수가 많을수록, 성별에 있어서는 여성들이 더 많은 심리적 부채부담을 갖는 것으로 나타났다. 둘째, 부채보유가계 중 월평균 부채상환액과 총자산에 대한 부채부담특성이 심리적 부채부담에 영향을 미치는 것으로 나타났다. 이는 취약계층을 위하여 부채부담을 낮출 수 있도록 부채 금리를 낮추고, 가계부채자에 대한 이해도를 높이는 것이 필요하며, 그에 적합한 금융교육과 컨설팅이 필요하다는 것을 시사한다. 셋째, 부채보유 가계 중 심리적 부채 부담에 영향을 미치는 요인으로 나이가 많을수록, 소득에 비해 월평균 지급이자 및 상환액이 높을수록, 총자산에 비해 총부채가 많을수록 심리적 부채부담에 영향을 미치는 것으로 나타났다. 가계부채에 영향을 주는 다른 요인은 후속연구에서 다루어질 것이다.