• 분석과 대안
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• 제4권1호
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• pp.105-123
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• 2020

This study analyzes the risk selection behavior of Japanese households. The study approaches the view of 'the hyperbolic discount' which is used in behavioral economics based on the rise in mortgage lending by low-income households in the late 2000s. The study focuses on how households risk preferences vary by income levels. The study analyzes the relationship of attitude of household interest rate risk using Binomial Logistic and Heckman two-step estimation method assuming that there are only two types of Adjustable-Rate Mortgage and Fixed-Rate Mortgage. As a result of the empirical analysis, low-income households annual income tend to have a higher proportion of housing debt as same as higher interest rate risk preferences households in proportion to income growth and interest rate risk preferences. Those results indicate that there is possibility of a hyperbolic discount on low-income households in Japan, and support the hypothesis that low-income households are relatively higher household debt ratio because of high utility due to home purchase in the near future (short-term).

• 대한가정학회지
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• 제45권10호
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• pp.45-57
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• 2007

The causes of indebted overspending were investigated by examining household expenditure patterns using the data from the 2002 Family Expenditure Survey. The five major expenditure categories were identified by factor analysis, and the six types of indebted overspending were clustered. About 28% of the indebted overspending was done out of necessity, and food, utilities, housing, and health care accounted for about 42% of the household expenditure. Luxury spending accounted for about 25% of the overspending by indebted households who spent about 24% of the household expenditure on clothing, entertainment, and private education. Cars (22%) and education (20%) were found to be other major causes of indebted overspending. Paying off debt and durable purchases were identified as the major causes of indebted overspending, but had a low frequency. Finally, the financial status of the four major types of indebted overspending households was evaluated.

• 한국콘텐츠학회논문지
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• 제14권6호
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• pp.129-139
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• 2014

이 연구의 목적은 다양한 차원의 박탈지표를 이용하여 아동빈곤의 특성을 규명하는 것이다. 이 연구의 목적을 위해 2012년 7차 한국복지패널조사자료를 이용하였으며, 잠재집단 분석기법을 활용하여 아동빈곤 집단을 유형화하였다. 분석결과, 아동이 있는 가구를 주거비 과부담, 다차원 박탈, 비빈곤 등 세 개의 집단으로 유형화하였다. 주거비 과부담 집단은 다른 영역에서 박탈은 높지 않지만, 주거비 부담이 높은 집단이다. 다차원 박탈 집단은 열악한 주거환경, 식생활 영역 및 고용 등의 다양한 차원에서 박탈을 경험할 확률이 높은 집단이다. 마지막으로 비빈곤 집단은 박탈을 경험할 가능성이 매우 낮은 집단이다. 잠재집단의 특성을 파악하기 위해 다항로짓분석을 수행하였다. 분석결과, 다차원 박탈집단은 다른 두 집단과 차이가 있는 것으로 나타났다. 비빈곤 집단과 주거비 과부담 집단 간에는 큰 차이를 보이지 않는 것으로 나타났다. 분석결과는 아동이 거주하는 가구의 복지, 교육, 문화적 자원의 박탈 등 다차원적인 문제에 대한 통합적인 접근이 필요함을 시사한다.

• KIEAE Journal
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• 제17권3호
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• pp.69-74
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• 2017

Purpose: The apartment complex constructed recently is composed of very various types of building, plan, and orientation etc. However, it is difficult to remark conclusively that these various types of buildings are designed energy-effectively, since it is difficult for architects to find useful energy design guideline for decision making. By the preceding study, the present condition and problem about this subject was grasped, apartment building types were examined and representative types were extracted. Method: Large apartment building complex having 1940 households, located in haengbok-dosi, sejong city, Korea is used as an example to conduct this study. Representative building types are extracted first. Then, heating and cooling load of households is analyzed. Lastly, effect of outdoor air cooling is investigated by computer simulation. Result: Results of this research are summarized as follows: 1. Besides solar gain, household layout of building, orientation, and plan have compositive effects on heating and cooling load. 2. The effect of outdoor air cooling in apartment can be improved by arranging windows of households.

• 가정과삶의질연구
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• 제29권3호
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• pp.13-22
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• 2011

The purpose of the study is to analyze the residential mobility effects and planning discrepancies of home-owning households and renting households. The data for the empirical analysis were collected from 248 units residing in Ulsan and were studied using descriptive statistics, chi-squared tests by cross-tabulation and multiple regressions. The majority of the households did not experience a change in types of housing structure or ownership after the residential mobility. However, the housing size increased after residential mobility, showing that most moves were due to the deficit of housing sizes. In terms of future mobility plans, there were significant differences between home-owning households and renting households. More than two-thirds of the renting households were willing to move within 2-4 years to obtain home ownership. On the other hand, most home-owning households were willing to move for housing size, education of the head, and investment purposes. Compared to the forty-four percent of the home-owning households, seventy-two percent of the renting households were willing to relocate, which shows the effects of unstable housing circumstances.

• 한국생활과학회지
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• 제16권1호
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• pp.75-87
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• 2007

The purpose of this study was to classify the financial strategies in elderly households. The data of 4,577 households with all ages and 1255 elderly households is from the Korean Labor and Income Panel Study(2000, 2003). The data were analyzed by various statistical methods such as frequency, mean-test, Duncan's multiple range test, k-mean cluster analysis and logistic regression. Findings were as follows; First, the classified household financial strategy types were Residual(44.3%), Financial Assets(24.0%), Informal Institutional(19.7%), Diversified Portfolio(7.6%), Real Estate(4.5%). Second, the criteria of classification of the financial strategies were relative, not absolute. Third, households(both elderly households and all households) that employed a diversified portfolio strategy had the greatest net wealth.

• 가정과삶의질연구
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• 제22권6호
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• pp.165-175
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• 2004

The purpose of this study was to classify the household financial strategies and investigate major determinants of the household financial strategies and financial performance. The data of 3,994 households is from the Korean Labor and Income Panel Stud?. The major findings were as follows. (1) The classified household financial strategies types were Residual ($44.6\%$), Informal Institutional ($13.3\%$), Financial Assets ($16.7\%$), Real Estate ($13.4\%$), and Diversified Portfolio ($12.0\%$). (2) The criteria of classification of the household financial strategies were relative, not absolute. (3) The household financial strategy types changed largely during a short period(1999-2000). (4) In all households, the variables that affected changes in household financial strategies were education, occupation, number of children, residential location and home ownership. (5) Households that employed a diversified portfolio strategy had the greatest financial performance (2,316,000 won net gain). (6) In all households, the variables that had the greatest influence on financial performance were the number of children, assets and debts. 1'he financial performance was significantly different according to changes in the household financial strategy.

• 한국융합학회논문지
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• 제12권1호
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• pp.267-274
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• 2021

본 연구는 기초연금제도의 도입과 확대가 노인가구의 빈곤감소와 소득분배개선에 얼마나 영향을 주었는가를 노인가구유형에 따라 분석하였다. 이를 위해 기초연금 도입 이전인 2013년과 도입 이후인 2016년 및 2019년도의 가계 동향조사를 비교·분석하였다. 분석결과는 다음과 같다. 첫째, 노인가구주 가구의 소득은 비교년도 동안 증가세를 보였으며 공적이전소득 또한 증가하였다. 둘째, 노인가구유형별 빈곤율 비교에서는 노인단독가구의 높은 빈곤율을 볼 수 있다. 정부의 빈곤완화 정책 효과분석은 모든 노인가구에서 긍정적으로 나타났으며 특히 노인부부가구의 경우 가장 두드러지게 나타나고 있다. 셋째, 소득분배개선은 모든 노인가구유형에서 개선 추이를 보였으며 특히 노인 단독가구의 경우 개선의 폭이 가장 크게 나타났다. 넷째, 기초연금도입의 효과를 분석한 이중차이 다중로짓분석은 기초연금의 도입이 중위소득의 40%를 기준으로 하는 빈곤 위험을 감소하는데 긍정적인 영향을 미치는 것으로 나타났다.

• 동서간호학연구지
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• 제27권2호
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• pp.166-176
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• 2021

Purpose: This study was conducted to assess the effect of household types on the occurrence of chronic diseases depending on gender and to identify the factors associated with chronic disease occurrence in one-person households. Methods: Multivariate logistic regression analysis was conducted using the data of 15,949 adults with the age of 19 years or older from the sixth Korea National Health and Nutrition Examination Survey (2013~2015). Results: For male, the risk of chronic disease occurrence was higher in one-person households than in multi-person households, and the same held true after adjusting for the confounding factors. For female, no significant relationship was found between household types and chronic disease occurrence. Factors associated with chronic disease occurrence were age, employment state, marital state, smoking, perceived stress, and depression in male, and age, employment state, physical activity, and obesity in female. Conclusion: It is necessary to monitor the disparity in health depending on household types in male. Additionally, providing a gender specific chronic disease prevention and health enhancement program is required.

• 가정과삶의질연구
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• 제24권6호
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• pp.79-93
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• 2006

Aging in place strategies such as residential remodeling have potential to enable older persons to remain in their own homes satisfactorily in terms of quality of life. The purpose of this study is to investigate the types of residential remodeling, needs, and opinions of elderly households living in Seoul and to suggest the housing policy and system for improving independent living of elderly households. Using face to face interview with structured questionnaire, 115 elderly households were interviewed during April $25{\sim}June$ 25, 2005. Most of respondents wanted to stay in their own homes as long as they can and some of them remodeled their houses to adapt their physical and financial conditions and housing needs. Various factors such as financial problem and lack of knowledge about remodeling process, however, restricted their actions to realize their needs. Based on the results, some suggestions to activate 'aging in place' were proposed as future guidelines of housing policy related to residential remodeling for housing welfare of the elderly.