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dc.contributor.author노정현-
dc.date.accessioned2019-11-26T06:43:24Z-
dc.date.available2019-11-26T06:43:24Z-
dc.date.issued2017-07-
dc.identifier.citation대한부동산학회지, v. 35, no. 2, page. 223-242en_US
dc.identifier.issn1225-1054-
dc.identifier.urihttp://scholar.dkyobobook.co.kr/searchDetail.laf?barcode=4010027244543-
dc.identifier.urihttp://repository.hanyang.ac.kr/handle/20.500.11754/114698-
dc.description.abstract최근 국내 가계부채는 지속적인 금리 인하와 대출 규제 완화 등 정부 정책으로 인하여급속도로 상승하고 있다. 이에 가계부채 상환위험은 가구의 재무건전성에 많은 영향을미치고 있으며, 경기변동에 따른 위험 가능성을 중요한 문제로 제시하고 있다. 본 연구는한국은행·금융감독원·통계청에서 공동으로 조사한 2016년 가계금융복지조사를 활용하여 가구 연령별 가계부채 상환위험요인에 대해서 종합비교하고, 가계부채 관리정책 수립에 대한 정책적 시사점을 제시하였다. 연구결과는 청장년층(20-40대)이 비 근로자 일수록 상환위험이 높은 것으로 나타났다. 이는 소득 및 누적 자산이 적기 때문에 경제적으로 불안정한 재무 상황이 반영된 것으로 분석된다. 중년층(50대)은 부동산 담보대출이 높을수록 상환위험이 높은 것으로 나타났다. 이는 부동산을 소유한 중년층이 또 다른 부동산을 구입하기 위하여 자금 마련 방안으로 담보대출을 활용하기 때문이다. 노년층(60대)은 경제적 은퇴로 인하여 근로 소득이 감소하기 때문에 원리금 연체가 증가할수록 상환위험이 높은 것으로 분석하였다.Recently, The household debt has sharply risen by the government policy that consistently declinedinterest rate and relieved loan regulation. The repayment risk of household debt has affected financialstability of household. The possibility of repayment risk has suggested the important problems by theeconomic fluctuations. This research compared determinants of repayment risk in household debt by agegroups based on 2016 Household Financial Welfare Research that was investigated by the bank of Korea, incooperation with the Financial Supervisory Service and Statistics Korea. This study proposed politicalimplication for Establishment of Household debt management policy. This research results as follows. The20-40s age group is more likely to decide high repayment risk, have higher non-worker, credit and cardloan. They were instability situation economically. because they was low accumulated income and realestate asset. The 50s age group is more likely to decide high repayment risk, have higher real estatemortgage loan. Because owner arranged funds utilizing mortgage loan to buy another real estates. The 60sage is likely to decide repayment risk, have higher overdue principal and interest. Because the earnedincome was decreased and disappeared by economical retirement.en_US
dc.language.isoko_KRen_US
dc.publisher대한부동산학회en_US
dc.subject가계부채en_US
dc.subject연령 그룹en_US
dc.subject상환위험en_US
dc.subject총부채원리금상환비율en_US
dc.subjectHousehold Debten_US
dc.subjectAge Groupsen_US
dc.subjectRepayment Risken_US
dc.subjectDebt Service Ratioen_US
dc.title가구 연령별 가계부채 상환위험요인에 관한 연구en_US
dc.title.alternativeA Study on the Determinants of Repayment Risk in Household Debt by Age Groupsen_US
dc.typeArticleen_US
dc.relation.no2-
dc.relation.volume35-
dc.relation.page223-242-
dc.relation.journal대한부동산학회지-
dc.contributor.googleauthor박윤태-
dc.contributor.googleauthor노정현-
dc.contributor.googleauthorPark, Yoon Tae-
dc.contributor.googleauthorRho, Jeong Hyun-
dc.relation.code2017018770-
dc.sector.campusS-
dc.sector.daehakCOLLEGE OF ENGINEERING[S]-
dc.sector.departmentDEPARTMENT OF URBAN PLANNING AND ENGINEERING-
dc.identifier.pidjhrho-
Appears in Collections:
COLLEGE OF ENGINEERING[S](공과대학) > URBAN PLANNING AND ENGINEERING(도시공학과) > Articles
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