가계부채 연체유형과 관련요인에 관한 연구

Abstract

The objectives of this study were to examine the current state of household debt delinquency and find out the variables influencing the debt delinquency. Debt delinquency was categorized according to the delinquency period and delinquency reasons. The data were the 2017 Survey of Household Finances and Living Conditions which was jointly conducted by Statistics Korea, Bank of Korea and Financial Supervisory Service. Using SPSS, multiple logistic regression analyses were conducted for 4,970 households with financial debt. In the logistic regression analyses, the independent variables were household income, total debt, DSR, DTA, number of household members, age, sex, educational level, marital status and employment status of head, home ownership, and residential area. The main results are as follows. First, 10% of households having financial debt experienced delinquency. The households who experienced less-than-30-days delinquency accounted for 5.5% and those who did 30-days-and-over delinquency accounted for 4.5% of the households with financial debt. The delinquency reasons were ‘decrease of household income (29.9%)’, ‘failure of financing (20.3%)’, ‘increase of repayment burden of interest and principal(20.3%)’, ‘payment errors- negligence of repayment on due date (17.1)’, and ‘increase of household spending (11.2%)’. The delinquency reasons were different by the delinquency period. Major reason of less-than-30-days delinquency was ‘negligence in repayment on due date (25.9%)’ whereas that of 30-days-and-over delinquency was ‘decrease of income (38.8%)’. Second, the effects of the independent variables in the multiple logistic analyses for each debt delinquency type categorized according to the delinquency period and delinquency reasons were different. The variables what influenced on the possibility of less-than-30-days delinquency were household income, total debt, DSR, DTA, number of household members, age, educational level, marital status and employment status of head. Those for 30-days-and-over delinquency were household income, total debt, number of household members, age of householder, educational level, marital status, employment status, and home ownership. The possibility of delinquency due to increase in interest and principal repayment burden was affected by household income, total amount of debt, age of householder, educational level, marital status and home ownership. Factors affecting the delinquency possibility due to negligence in repayment on due date were household income, total debt, DTA, number of household members, householder education, marital status, and home ownership. Delinquency due to income decline was influenced by household income, the number of household members, the age of the householder, education and the status of employment. The probability of delinquency due to household spending increases were affected by household income, the number of household members, and home ownership. The factors affecting the probability of delinquency due to negligence in repayment on due date were household income, total debt, and educational level of householder.