주택가격변화에 따른 가계부채의 위험증가에 대한 연구

• 영문명: A Study on the Risk in the Household Loans with the Change of House Pricies in Korea
• 발행기관: 한국부동산학회
• 저자명: 김승욱(Kim, Seung Wook) 남영우(Nam, Young Woo)
• 간행물 정보: 『부동산학보』不動産學報 第51輯, 240~251쪽, 전체 12쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2012.12.31

영문 초록

1. CONTENTS (1) RESEARCH OBJECTIVES The purpose of this study is to forecasting the risk in the household debts as the home prices drop in Korea. (2) RESEARCH METHOD This study was focused on statistical analysis. The data for this analysis were collect from Kook-Min Bank’s survey(2009). This data consisted of 622 households who borrowed the money on the securities of their house from Kook-Min Bank. Especially, in this study the senstivity analysis and regression analysis were used. (3) RESEARCH FINDINGS In the results of this study, if home priceis get lower and lower, the households who may be in danger will get younger and the size of their house will get larger. 2. RESULTS The results of regression analysis is as follows: If home pricies in Korea is getting lower and lower, Firtst, the order the loanees are, the lower their LTV(Loan to Value) are. Second, the larger the loanee’s house are, the lower their LTV are.

목차

ABSTRACT

Ⅰ. 서론

Ⅱ. 가계부채에 대한 선행연구의 고찰

Ⅲ. 우리나라 주택시장 및 가계 부채의 현황

Ⅳ. 주택가격변동에 따른 대출위험에 대한 분석

Ⅴ. 결론

參考文獻

키워드

가계대출 가계부채 주택담보대출비율 주택가격 하우스푸어 household loan household debt LTV(loan to value) house price House Poor