채무조정제도 이용자들의 경제적 합리성과 경제적 성과
Economic Rationality and Economic Performance of Debt Relief Program Users
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본 연구는 채무조정제도 이용자들의 의사결정의 질을 경제학 실험에서 행한 선택이 효용극대화 가설에 얼마나 부합하는지를 통해 측정하고, 이를 동일한 형태의실험을 활용한 국내․외 일반 성인 및 학생 집단의 합리성 정도와 비교해 본다. 채무조정 이용자들의 합리성은 타 집단의 합리성 정도보다 낮으며, 여러 경제적성과와 통계적으로 유의미한 연관성을 보였다. 경제적 합리성 지표가 높을수록근로가능 확률이 높고, 월평균개인소득이 높으며, 개인파산 확률이 낮은 것으로나타났다. 본 연구의 결과는 경제적 합리성의 제약이 경제 활동과 성과에 영향을미치며 개인채무조정제도 이용의 결정요인일 수 있음을 시사한다.
Abstract
This paper reports an economics experiment measuring debt relief program users’ decision making quality by the consistency of choices with utility maximization and compares their consistency scores with those of participants in other studies using experiments of the same form. Consistency scores of debt relief program users are lower than those reported in other studies and are strongly related to variables describing their real-life economic performance. The higher level of consistency with utility maximization an individual scores in the experiment, the more likely the person is to be able to work, the higher personal income he or she earns, and the less likely the person is to go bankruptcy. Our results suggest that the limitation of economic rationality affects individual economic activities and performance and is a determinant of using debt relief programs.
참고문헌 (28)
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