가계부채의 결정요인과 변화특성 분석

• 영문명: Determinants of Household Debt and Its Change Characteristics
• 발행기관: 한국주거환경학회
• 저자명: 김주영(Kim Ju Young) 장희순(Jang Hee Soon)
• 간행물 정보: 『주거환경(한국주거환경학회논문집)』住居環境 제14권 제1호 (통권 제31호), 221~230쪽, 전체 10쪽
• 주제분류: 사회과학 > 지역개발
• 파일형태: PDF
• 발행일자: 2016.03.31

영문 초록

The purpose of our study is to find out the determinants of household’s debt and its change characteristics. In order to attain our study objective, we constructed socio-economic variables and housing related ones using the welfare panel data. We used the two discrete data the year 2007 and 2014 and found that the average household debt was somewhat increased than the previous year. The increase of household debt was due to the size of each household debt burden but the number of household that is free of debt was decreased. The main results are as follows. First, Among socio-economic variables, number of household member, age of household head and income was significant ones in determining household debts, but marriage status, education period of household head was not a meaningful ones. Second, Housing related variables like housing cost and the change of housing tenure were represented in one of the leading variables that determine household debt status. Third, it was not the economic status of household head per se but the change of that was a meaningful factor. Among the variables like household head income, real asset and monetary asset, only monetary asset was negative relation with household debt. Our research analysis show that efficient control of household debt was to alleviate cost of household who reside in high housing cost area.

목차

Ⅰ. 서 론

Ⅱ. 이론적 논의 및 선행연구

Ⅲ. 연구의 분석틀

Ⅳ. 실증분석 결과

Ⅴ. 결론 및 정책적 시사점

참고문헌

키워드

한국복지패널자료 가계부채 다항로짓분석 비교정태분석 Korea Welfare Panel Data Household Debt Multinomial Logit Comparative Dynamic Analysis