가계 금융부채의 보유 및 상환불능 위험 결정요인

• 영문명: The Determinants of Household Indebtedness and Default Risk in Korea
• 발행기관: 한국무역연구원
• 저자명: 배영목(Young-Mok Bae)
• 간행물 정보: 『무역연구』제10권 제3호, 587~600쪽, 전체 13쪽
• 주제분류: 경제경영 > 무역학
• 파일형태: PDF
• 발행일자: 2014.06.30

영문 초록

This paper analyzes the determinants of indebtedness of household and those of default risk of indebted household, using Korean Survey of Household Finance for 2010-2014. The main motives of household borrowing are household deficit, house purchase, business capital. The first logistic regression analysis reveals that the indebtedness of household is positively related with family size age, education years, income, real assets and negatively related with age square, unemployment, financial assets. The second analysis reveals that the default risk of household is positively related with family size age, over-burden household measured by DTI, DTA and negatively related with age square, income, real assets, financial assets. The third analysis reveals that the default risks of households which borrow for refunding, household expenditure, business are higher than the others.

목차

Abstract

Ⅰ. 서론

Ⅱ. 가계의 금융부채 보유 상태와 결정요인

Ⅲ. 가계의 금융부채 상환불능 상태와 결정요인

Ⅳ. 금융부채 가구의 자금운용과 상환불능

Ⅴ. 서론

참고문헌

키워드

household debt indebtedness default risk use of loan