가계부채의 결정요인과 변화특성 분석 － 한국복지패널자료를 이용한 미시분석을 중심으로 －
Determinants of Household Debt and Its Change Characteristics
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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.
Abstract
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.
참고문헌 (23)
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