• 토지주택연구
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• 제5권4호
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• pp.259-269
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• 2014

글로벌 금융위기를 겪고 난 이후, 주요 선진국에서는 가계부채/GDP 비율이 하락하는 경향을 보이고 있으나, 우리나라는 여전히 상승추세에 있으며, 가계부채 중 제일 큰 비중을 차지하는 주택담보대출은 최근 주택가격 하락으로 하우스푸어를 양산한 결과를 초래하였다. 본 연구는 최근 사회적 문제로 대두되고 있는 하우스푸어의 규모를 분석하는 한편, 하우스푸어의 형성배경에 주목하였다. 이는 하우스푸어의 문제가 일차적으로 개인과 금융기관 간의 금융거래에 기인하는 문제임에도 불구하고, 다양한 사회경제적 요인이 내재하고 있음을 간과할 수 없기 때문이다. 또한 이들 하우스푸어 문제를 해결하기 위해 사회적으로 어떠한 정책 방향을 설정해야 하는지 공적 개입 측면에서 현황과 향후 방향을 제안해보고자 한다. 우선 재무적관점에서 하우스푸어 규모를 추정하기 위한 판단지표로 DSR, LTA를 활용하였다. 재무적 위험을 판단하기 위한 임계치로 DSR은 40%, LTA는 100%로 가정하였다. 한편 LTA 산정과정에서 부동산자산의 평가액은 조사가격의 60%와 100%의 두가지 경우를 가정하였다. 다음으로 하우스푸어의 형성배경으로 사회 경제적 여건변화에 따른 가계의 차입의존도 증가, 금융기관의 과잉 대출경쟁, 부동산 시장의 장기침체, 주택담보대출 관련 제도적 문제 등이 원인인 것으로 파악되었다. 이처럼 하우스푸어의 발생에 대한 책임소재는 개인적인 문제 뿐 아니라 구조적 요인과 정책실패요인도 존재하고 있으며, 주택시장과 국민경제에 미치는 영향을 간과할 수 없다는 점에서 공적 개입의 필요성이 존재한다. 공적개입의 기본 방향은 공적 자금 부담을 최소화하고 시장기능을 활성화하는 차원에서 이루어져야 할 것이다. 또한 현재 하우스푸어 관련 정책으로 수행되고 있는 희망임대주택 리츠사업의 경우, 장기적으로는 대출거래 당사자인 대출기관도 책임을 부담하는 방식으로의 개선이 필요하다.

• 한국주거학회논문집
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• 제26권1호
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• pp.109-118
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• 2015

The purpose of this research is to examine generational distinctions of housing investment and household wealth for two different age cohorts - 'baby-boomers' and 'eco-boomers'. In so doing, national survey data of two different periods were analyzed and the primary results are summarized as follows; aggregate assets of both generations have risen, and the rising household debt for baby-boomers was related to loans for living expenses while eco-boomer's debt was ascribed to home-buying loans. In the midst of economic slowdown, the age cohorts had conservative asset allocation in preference for risk-averting investment like savings. The main purpose of saving and investment was distinctive across the groups? retirement for baby-boomers and home purchase for eco-boomers. Both groups prioritized reduction of household liabilities and also were cautious on investing in real estate. Still home-buying was considered to be an important driver for asset accumulation. While baby-boomers were unwilling to dispose any form of owned real estate, eco-boomers found it challenging to take on a long-term investment like home-buying, especially in economic uncertainties. Rather the young generation would diversify asset allocation with better-returning investment commodities like stocks, bonds and derivatives.

• 한국생활과학회지
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• 제14권4호
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• pp.613-629
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• 2005

This research analyzes household financial structures and ratios to understand factors of household utility. Its main themes are as following: First, what kinds financial structures are found at each level of income? Second, how are they different by the level of income? Third, what factors contribute to appropriate financial ratios? The themes are supported by the texts on financial ratios from both inside and outside of Korea and proved by the Korean Labor and Income Panel Survey, the fifth annual edition. The households are exempted that do not support the household principle record in the principle and household economy record. Accordingly, this survey is from a financial structure analysis of 3,762 households. The analysis utilizes SPSS Window (Version 10.0) program. The following are the results: First, the income level 4 and above, in which the increasing number indicates a higher level of income, are highly ranked on the income-expense level and the asset-debt rate. Also, level 4 has a strong financial structure, whereas level 1 does not. Apparently, the management of the household is complicated by debt redemption and a lower level of assets. Second, Ratio 1, Ratio 2, Ratio 4, and Ratio 5 are different by the level of income. Third, the level of income contributes to the appropriate financial ratio. The financial safety and prospective financial structure at each income level is an important variable. Households with a high income, in particular, have to balance their finances and capital, reducing liabilities and increasing the total assets. In other words, the family must hold assets to enhance efficiency according to the character and income level of the household. This research is a useful resource for such a decision-making as to improve household financial structure stability. Also, it can be adopted to evaluate financial products for specific households and be used for economic and social welfare planning to predict how households influence the nationwide economy.

• 한국생활과학회지
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• 제13권3호
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• pp.441-451
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• 2004

This study categorized the households into four by the comparison of wives' and husbands' earned income, such as one with higher wives' income than husbands' in dual-earner households, with higher wives' income than husbands' in household with unemployed husbands, with lower wives' income than husbands' in dual-earner households, and with lower wives' income than husbands' in household with unemployed wives. This study compared and analyzed the objective and subjective economic well-being, and overall satisfaction of life in those households. Major results are below. First, the amount of expenditures, saving, debt were low in one-earner household with employed husbands, but average propensity to expenditure was high in those households. The amount of saving was low in one-earner households with unemployed husbands, but the average propensity to expenditure and debt were high, resulting in the low status of economic well-being. The amount of saving and monetary assets were high, but average propensity to expenditure and debt were low in households in which wives had higher income than husbands, resulting in the high status of economic well-being. Second, husbands' satisfaction for the level of family income was not different among four groups of households. Wives's satisfaction for those was the lowest when wives' income was higher than husbands', but the highest in households with unemployed wives. Wives' and husbands' expectations for the future economic well-being of the households were negative in households with unemployed husbands. On the other hand, the level of satisfaction of wives and husbands for their life was not different among four groups of households. Finally, four groups of households were discriminated by age of husbands, number of children, debt, and wives' expectation for the future economic well-being.

• 한국지역사회생활과학회지
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• 제21권1호
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• pp.91-103
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• 2010

The purpose of this study was to find the differences of household characteristics between homeowners and renters. The data was drawn from the 2002 Korean Labor and Income Panel Study and conducted by the Korea Labor Institute. 3,743 households were selected. The householder's mean age of homeowners was found to be 8 years older than those of renters, and the households in Seoul showed a higher rent ratio than those in other areas. The levels of household financial elements for homeowners were found to be higher than those of renters. Moreover, the levels of total real estate assets for homeowners were higher than those for renters, and the levels of total debt, and the debt from financial institutes were also higher than those for renters, reflecting that most Korean households may use loans from financial institutes for holding real estate assets. The results of the Chow-test showed that the group of homeowners and renters were significantly different in terms of socio-demographic and financial factors affecting the ratio of real estate assets to total asset.

• 유통과학연구
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• 제15권6호
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• pp.25-36
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• 2017

Purpose - The purpose of the study was to investigate the financial difficulty of the elderly in each income group and to examine the factors having related influence. The study adopted models with Korean welfare panel material and examined factors that having influence upon low income elderly's selection on retail business. Research design, data, and methodology - The study investigated the effects having influence upon the financial difficulty of elderly household as well as common household. It also examined independence variables having influence upon household's financial stress and found out the direction of financial control in elderly household. The study investigated the effect of financial stress upon economy to support consumption of the elderly. Results - In cases of financial difficulties, independent variables of the debt increased the financial difficulties of elderly households relying upon traditional markets. The elderly households had financial difficulties because of independent variables of the debt except for loan from financial institution. Conclusions - In this study, the elderly's financial stress had influence upon the use of retail business and the characteristics of residing and family. Further study shall give support policies for the elderly to alleviate financial burden.

• 사회복지연구
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• 제48권1호
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• pp.23-53
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• 2017

본 연구는 한국노동패널(KLIPS) 자료를 이용하여 최근(2000년 이후) 혼인을 경험한 가구를 대상으로 그들의 혼인기간 경과에 따른 이혼이행 가능성에 대해 살펴보았다. 혼인당시 부부의 상황이 이후 이혼에 이르기까지의 기간에 미치는 영향에 대해 면밀히 살펴보고자 하였다. 특히 가계의 재무상황 중, 상당한 심리적 부담으로 작용할 수 있는 '부채'에 초점을 두고 신혼부부의 이혼이행기간에 대한 분석을 실시하였다. 분석결과 혼인당시 남편과 아내의 연령 및 연령차이 그리고 교육수준 등이 향후 이혼으로의 이행 가능성과 통계적으로 유의미한 관계를 갖는 것으로 나타났으며 본 연구의 주된 관심사인 가구의 재무특성(주로 부채)와 관련해서는 많은 양의 부채가 향후 이혼의 가능성을 높이고 있음을 살필 수 있었다. 아울러 절대적 액수에서의 부채뿐만 아니라 가구의 소득에 대비한 부채의 높은 수준 또한 이혼의 가능성을 증가시키고 있음이 통계분석결과를 통해 제시되었다. 본 연구는 이혼의 증가라는 시대적 흐름 속에서 신혼부부를 대상으로 혼인기간 경과에 따른 그들의 이혼이행 가능성에 대해 살펴보았다. 무엇보다 대규모 통계자료를 이용해 분석결과의 일반화 가능성을 높이고 정책적 함의를 도출하고자 노력하였다는 점에서 그 의의를 찾을 수 있다. 이를 통해 신혼부부의 생애 주기 특성을 고려한 부채의 원인을 진단하고 맞춤형 지원정책의 필요성을 제시하였다.

• International Journal of Human Ecology
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• 제9권2호
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• pp.77-92
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• 2008

This study investigates the characteristics of young debtors at risk of repayment problems. A cumulative logistic model is used in order to examine the effects of explanatory variables on the probability for young adults to pay off debt obligations. The following conclusions can be drawn from the results. First, the high indebtedness of young debtors increases the probability of payment delinquency whereas high income by young debtors decreases the probability. Second, financial emergencies that young debtors experienced and payment delinquency are positively related. Finally, financial resources for emergency needs reduced the probability of being delinquency on payment of household debt.

• 대한가정학회지
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• 제36권11호
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• pp.219-230
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• 1998

The purpose of this study was to understand credit card uses and debt burden of the multiple credit card holders. Data were obtained from 428 housewives living in Seoul. OLS regression analysis was used for examining factors affecting credit card uses and debt burden for the multiple credit card holders. The findings could be summarized as follows. First, among the three types of credit cards-bank card, retail card, and professional card, the multiple credit card holders tended to have more bank cards than retail and professional cards. Second, holding of the professional card was positively associated with both the frequency and the amount of credit card use per month. Third, the household income, age, employment status, and motive were important factors in predicting their attitudes toward credit card. Forth, the level of education, employment status, holding of the professional card, motive, amount of credit card use, and attitude toward credit card had singificant effects on their perceived debt burden.

• 한국사회복지학
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• 제69권2호
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• pp.171-190
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• 2017

본 연구는 국내의 가계부채 규모가 지속적으로 증가하고 가계의 재정건전성은 약화되는 상황에서 높은 가계부채 수준이 정신건강, 구체적으로 우울감 및 자살생각에 미치는 영향을 살펴보았다. 이를 위해 한국복지패널 4~10차(2009~2015년 조사) 자료를 사용하였고, 패널확률효과모형과 패널고정효과 모형을 결합한 하이브리드 방법을 적용하여 인과관계를 종단분석하였다. 연구결과는 높은 가계부채 수준이 우울감의 위험을 상당히 높임을 보여주었다. 가처분소득 대비 총부채액 비율이 400%를 넘는 경우 그 비율이 100% 미만인 경우보다 우울감의 위험이 1.5배 높아졌고, 가처분소득 대비 부채상환액 비율이 30%를 넘는 경우 10% 미만일 때보다 우울감의 위험이 1.66배 상승하였다. 이 연구는 경제적 측면뿐만 아니라 비경제적 측면까지 고려한 신용회복 지원제도의 마련과 함께 과중채무자에 대한 정신건강 서비스 연계의 필요성을 시사한다. 또한 부채수준이 정신건강에 영향을 미치는 중요한 사회경제적 요인임을 확인하여 건강결정요인에 관한 이론을 풍부히 하는데 기여하였다.