소비자의 신용과다사용 문제와 영향요인에 관한 연구

Abstract

The purpose of this study is to analyze the consumer over-indebtedness problem of credit delinquency in relation to the general consumer credit user and to identify the factors affecting over-indebtedness. Through these, the paper will suggest the solution for the problem of consumer credit. The objectives of this study are (1)to analyze the over-indebtedness problem, (2)to examine the differences between the credit delinquencies and the general consumer credit user and to classify the group over-indebtedness problem, (3)to identified the factors affecting over-indebtedness which classified with a score of over-indebtedness problems. For the investigating of the study issues, survey 1000 adult men and women who are the experience which uses the credit trust above 20 and 200 person the credit delinquencies, and used the validity sample 577 sample in last analysis. Survey from the general consumer credit user with internet, and got a data from the Credit Counseling & Recovery Service about the credit delinquencies. The statistical methods used for analyses are frequency, average, standard deviation, factor analysis, logistic regression. The major results of the above subjects in the study are as follows; (1) Using a total score and answer back of the over-indebtedness problem, the subjects were classified into a high-risk group, risk group, latent-risk group, and no-risk group. This followed the group classification of the result whole which analyzed the sample in the high-risk group at 34.3%, in the risk group at 24.3% and 29.3% was classified in the latent-risk group in total. Only 15.63% of the whole sample related with a credit problem entirely was classified with a group to which it did not belong. First of all, 45% of general consumer credit users were classified with a risk group, and 15.5% were classified with a high risk group. (2) Identified the factors affecting over-indebtedness which were classified with a score of over-indebtedness problems. The high-risk group showed significant effects of financial management skill, expense habits, speculation tendencies, work, the financial affairs capacity of management, and psychological causes. The risk group showed significant effects of financial management skill, expense habits, speculation tendencies, total debt, monthly repayment, the financial affairs capacity of management and psychological causes. The latent-risk group showed significant effects of total debt, monthly repayment, and psychological causes.