• KDI Journal of Economic Policy
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• 제26권1호
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• pp.105-140
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• 2004

Korea is entering the class of aging population nations. This paper investigates the extent demographic factors and the aging population affect the saving rate, using an extended life-cycle/permanent-income hypothesis on saving. The results of the tests with Korean household survey data from 1977 to 2002 reveal that real saving rates increase when the duration of lifetime and per household real disposable income rise, and decrease when the growth rate of income and net worth-to-GDP ratio rises. The growth rate of per household real disposable income has negative effects, suggesting that households calculate their life cycle income in a forward looking manner. The elasticities with respect to a change in the lifetime horizon and the growth rate of per household income are 0.58 and -0.03, respectively. A one percent rise in the net worth to GDP ratio reduces the saving rate by 0.3 percent. A one percent rise in per household income increases it by 0.33 percent. The younger-age and the elder-age dependency ratios have insignificant effects on the household saving rate behavior. When Korean life expectancy rises, the private saving rate declines modestly and the government saving rate declines substantially. The economy's real net saving rate declines from 33 percent in 2002 to 30 percent by the year 2030.

• 대한가정학회지
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• 제49권8호
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• pp.37-46
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• 2011

Using the 1987-2008 quarterly aggregated data of the Household Income and Expenditure Survey, this study investigated the factors influencing household saving rate. The independent variables in the AR regression model were the GDP growth rate, shares of the total household expenditure allocated to tax & social insurance, and education, the variables reflecting the conditions of the asset market including interest rate, stock market index, and real estate price index, and the variables representing the social economic conditions including the index of aging and income inequality. Among the independent variables interest rate, stock market index, and income inequality were found to be significantly associated with the household saving rate. These results suggested that the redistribution and financial market policies favorable to savers may be effective for raising the household saving rate.

• 산업진흥연구
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• 제1권1호
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• pp.129-135
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• 2016

본 연구에서는 수돗물 가격 인식에 따른 물 절약 효과를 분석하였다. 연구결과 수도요금 가격인상 찬성도에 유의한 영향을 미치는 요인은 수도요금 정부지원 적절성(p<.001), 가정용 수도요금 적절성(p<.01), 수도요금 부과체계 적절성, 수도요금 적절성, 용도별 및 지역별 가격차이 적절성(p<.05) 순으로 영향력이 높은 것으로 나타났다. 또한 최종학력, 거주지, 가구원수, 직업, 월평균 가구소득, 월평균 수도요금에 따른 수도요금 가격인상 찬성도 및 물 절약 행동의지에 대한 집단 간 차이가 나타났다. 본 연구는 수돗물 가격 인식에 따른 수도요금 인상 시 물 절약 효과를 분석함으로써 수돗물 가격인상 찬성도에 영향을 미치는 요인을 밝히고 물 절약 실천을 위한 수도요금 정책에 시사점을 제공한 데 그 의의가 있다.

• 한국인구학
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• 제18권2호
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• pp.115-168
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• 1995

한국경제의 장기적 발전은 총투자의 지속적 증가와 이를 가능케 해줄 국민저축의 착실한 증가에 크게 의존한다고 보겠다. 이러한 국민저축 중에서도 가계저축은 우리나라의 투자재원 조달에 가장 중요한 역할을 담당할 것으로 기대되고 있다. 본고는 가계저축의 결정요인을 찾아내기 위하여 우리나라 가계소비율의 결정요인을 살펴본 다음에 이를 이용하여 간접적으로 가계저축의 결정요인을 원용하였다. 이와 같이 가계소비율의 추정을 통하여 가계저축율을 추정하고자 한 이유는 일반적으로 소비함수는 안정적인 성향을 가진 반면 저축함수는 불안정적인 성향이 강하기 때문이다. 가계소비율 추정을 위해서는 우리나라의 도시가계조사 및 농가경제 조사자료를 기초자료로 이용하였는 바, 가계소비율에 대한 회귀분석의 결과를 요약하면, 첫째로 가계소득의 증가와 취업가구원수의 증가는 가계소비율을 낮추는 방향으로 작용하고 있는 반면, 둘째로 가구주의 연령, 교육수준, 가구원수의 증가는 가계소비율을 저하시키는 경향이 있는 것으로 나타났다. 2000년대의 우리나라는 소득의 괄목할 만한 증가, 여성의 노동시장 참가율 제고로 인한 취업가구원수의 증가 및 핵가족화의 영향으로 인한 평균 가구원수의 감소로 가계소비율의 저하가 예상되는 반면에, 인구의 노령화에 기인한 가구주의 평균연령의 상승, 교육수준의 향상에 따른 가계소비율의 상승이 예상되지만, 총체적으로는 가계소비율의 감소를 통한 가계 저축율의 착실한 증가가 있을 것으로 예측되므로 한국경제의 장기적 발전을 위한 투자재원의 조달에는 큰 어려움이 없을 것으로 전망된다.

• 한국환경과학회지
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• 제24권2호
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• pp.221-228
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• 2015

In this research traditional Buddhist dietary life style was studied as an alternative for both saving water and decreasing water pollution from household. A traditional dietary life style for the Buddhist monks, called Balwoo Gongyang, and its modernized one for citizens, called Dish Gongyang were examined with water use amount, wastewater quality and pollutant loading rate, and were compared with the kitchen wastewater from household. And several types of natural detergent were also examined to compare their effect on the wastewater quality and pollutant loading rate. This research was carried out using the wastewater from Balwoo and Dish Gongyang in J building located in Seoul. Wastewater generation from Balwoo Gongyang that was about $1.0{\ell}$/capita/day was very low compare to that from dish washing in normal household($32.6{\ell}$/capita/day). In case of Dish Gongyang, water generation was 1.8 times higher than that from Balwoo Gongyang, but it was just 1/19.2 of normal household. When the wastewater quality of Balwoo Gongyang was compared with the kitchen wastewater of normal household, SS was 1/16($15mg/{\ell}$), COD was 1/7($22.1mg/{\ell}$), BOD was 1/9($24.1mg/{\ell}$) and T-N was 1/16($1.7mg/{\ell}$). Pollutant loading rate from Balwoo Gongyang was very low, COD 18.0 mg/capita/day, SS 12.3 mg/capita/day and it was 1/290, 1/639 of that from dish washing wastewater from normal household, respectively. Pollutant loading rate from Dish Gongyang was also low 1/13(SS)~1/144(TN) compared to dish washing wastewater from normal household. As a natural detergent, used water from washing rice showed very low pollutant loading rate. It was concluded that Dish Gongyang that was a modernized and simplified dietary life style of Balwoo Gongyang, was very eco-friendly. Especially when it was combined with natural detergents using by-product from cooking process, its effect on the water pollution was very low.

• 대한가정학회지
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• 제30권4호
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• pp.107-120
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• 1992

The purpose of this study was to figure out the wife's employment and family economic structure of urban establishing families. For this purpose 274 establishing families in Seoul and its metropolitan area were interviewed through the standardized questionnares. Finally 264 questionnares were analyzed. The major findings were as follows; 1. The 23.9% of respondents had full-time job and 12.1% had part-time job. The major reason of nonemployment was child-rearing problems. And most ofthem answered that they would have job if child-rearing problems were sloved. 2. In both full-time and part-time job wives, the employment rate of high educational level's wives was high-relatively. 3. Total household monthly income of full-time job women was higher than the ones of part-time job and full-time wives. In total monthly income of full-time job women, the rate of wife's income was about 38%. 4. The costs of clothings, the cost of traffic and the total expenditures of full-time wife's household were higher than the ones of the other households. 5. The saving rate of the urban establishing families was about 27%.

• 가정과삶의질연구
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• 제20권6호
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• pp.197-208
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• 2002

The purpose of this study was to investigate the economic lives of single households with the age of 30 through less than 50. The economic life was examined in three aspects; income, assets, and consumption expenditures and patterns. One hundred sixty single households were surveyed, with questionnaires for 15days from April 1 to April 15 of 2002, and analyzed with descriptive statistics. The results were as follows: about 30.8% of total single households in the sample were in the income group of 1,500,000 thought less than 2,000,000 won. The size of income for the 30's was less than that for the 40's. Compared with male single households, female single households were more in both low and high levels of income. The saving rate tended more or less to be low. The more the age, the higher the saving rate. As for debt, the 40's single households, male single households, high school single households (compared to the 30's single households, female single households, university and graduate single households, respectively) were relatively higher. In general, the single households tended to have debts due to preparation for housing, credit over use. The assets tended to be managed by themselves. The economic preparation for the old life was done by banking system rather than insurance. The average monthly living costs was higher in the age of the 40's single than the age of the 30's single. The living costs of the female single households was higher or lower than those of the male single households. As for consumption patterns, there was the most in the expenditure allocation for food away from home, then for culture entertainmentㆍsocial life, and for clothing and shoes. As for the convenience of the consumption life in overall, there were more responses in moderation and inconvenience than in convenience.

• 산업융합연구
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• 제14권2호
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• pp.15-23
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• 2016

Korea is aging rapidly and unprecedentedly in the world, and the social burden is prospected to be increased rapidly. New business start-up in blue ocean area is boomed in Korea, because sedulousness of people and high household saving rate which are basis of the economic development are getting lower, and propensity of the consumption and debt in household are getting higher. This article is refers that what is success factors of new business start-up in blue ocean through investigating the theoretical concept and the success cases. As a result, the success factors of new business start-up are categorized as environmental factors, strategical factors, organizational factors, personal factors, and factors of growing-up stages. In order not only to identify the success factors, but also to avoid failure, it is important that the basic principle should be followed ; Specifying the objectives, Balancing the fund, Meeting good biz-partners, Analysis of the market and Advice of the experts.

• 대한설비공학회:학술대회논문집
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• 대한설비공학회 2009년도 하계학술발표대회 논문집
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• pp.502-507
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• 2009

Trend of mechanical ventilation system applied to apartment house is introduced and feasibility study on installation of the individual room control ventilation as energy-saving method is carried out through field experiment. While initial cost of installation for the individual room control ventilation increases, the running cost is lower than the individual household control ventilation due to automatic flow rate control and reduction of fan power, and the management cost also decreases due to extension of use life of components. As the results of field experiment on $115m^2$-type apartment house, the individual room control ventilation could save the amount of 1,459.5Wh/day when compared with the individual room control ventilation

• 문화기술의 융합
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• 제6권4호
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• pp.379-384
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• 2020

본 연구의 목적은 저축은행 구조조정 이후 개별 저축은행들의 재무상황이 대출포트폴리오에 미치는 영향을 분석하고자 한다. 분석한 결과는 다음과 같다. 첫째, 고정이하여신비율 변화율과 가계대출비중 간의 관계는 유의한 양(+)의 값을 가지는 것으로 추정되었다. 저축은행 재무건전성이 악화될수록 총여신 중 가계대출비중이 증가하는 것으로 나타났다. 둘째, 고정이하여신비율 변화율과 예대금리 스프레드 확대 간의 상호작용 효과는 가계대출비중과 유의한 음(-)의 값을 가지는 것으로 추정되었다. 즉 저축은행 수익성지표인 예대금리 스프레드 변동성이 클수록 재무상황악화의 상호작용 효과로 인해 총여신 중 가계대출비중을 감소시키는 것으로 나타났다. 이러한 결과는 재무상황에 따라 이자율변동성이 클수록 위험자산 대출비중을 증가시킬 가능성이 존재한다. 셋째, 자산규모와 가계대출비중 간의 관계는 유의한 양(+)의 값을 가지는 것으로 추정되어 저축은행 규모가 클수록 가계대출비중이 높은 것으로 나타났다. 이상의 결과를 통해 저축은행 재무상황에 따라 대출포트폴리오에 영향을 주는 것으로 분석되었으며, 저축은행의 재무상황별 정책 수립에 중요한 시사점을 제공할 것으로 기대한다. 향후 재무상황에 따라 특정대출의 과도한 자산확대를 지양하고 선제적인 건전성 관리가 이루어질 필요성이 있다.