과소비-부채가계의 가계경제구조 분석 : 과소비-부채가계 문제의 심각성에 대한 평가를 중심으로

Abstract

Using the 2002 Household Income & Expenditure Survey, this study investigated distribution, changes in asset holding, the structures of income & expenditure of indebted overspending households, and the variables significantly associated with indebted overspending households. The major findings were following. (1) The proportion of households with overspending and debt was 13.34%, and they spent more than income by 18% of their household income. (2) The proportion of overspending supplied by reduction of asset was 89%, and the remaining 11% was met by increment of debt. (4) In indebted overspending households, the expenditures in college tuition, purchase of car, and sending money for education were significantly high. (4) indebted overspending households tended to spend more on luxurious items, and not to adjust their ordinary spending level while there were large amount of non-ordinary expenditure (5) The variables significantly associated with indebted overspending households were installment and credit transaction, income, life-cycle stages, occupation of household head, housing tenure and car ownership. Based on the results, seriousness of the economic problem of indebted overspending households was evaluated.