Earticle

초록

영어

This study attempted to examine the employment instability on consumer''s use of credit as a financing medium. The purpose of this study was 1) to examine the effect of employment related factors on consumers'' use of credit; 2) to compare the results between the two different economic situations. A conceptual framework was developed based on the permanent income hypothesis, family stress theory, and the previous empirical studies. Using data on working households ih the 1992 and 1998 Survey of Consumer Finances (SCF), double-hurdle analyses were conducted. The results suggested that employment related factors that measured employment stability were significantly related to the likelihood of having an outstanding balance on their credit account but were not the influential factors in determining the amount of the outstanding balance. Among other factors, resources factor played the most significant role in determining both the likelihood of having an outstanding balance and the amount of the balance. Although the 1992 and 1998 data represent economic downturn and economic prosperous period, the effects of the factors including employment instability factors were similar between the two periods. This imply that employment instability has increased even in the economic prosperous period. From the findings, several implications for policy makers, credit industry, and financial educators were suggested.

목차

Abstract
 I. 서론
 II. 문헌고찰
  1. 이론적 배경
  2. 고용불안정성과 소비자 신용 이용
  3. 소비자 신용에 관한 선행연구
 III. 연구방법
 IV. 연구결과
  1. 조사대상자의 특석
  2. Double hurdle 모델 분석결과
 V. 결론 및 제언
 참고문헌

키워드

저자

• 백은영 [ Baek, Eunyoung | 성균관대학교 경제학부 BK 21 연구원, 대표저자, 연결저자(Corresponding Author) ]

참고문헌

발행기관

간행물

표지보기 관심저널 등록

• 간행물명

  가족자원경영과 정책(구 한국가족자원경영학회지) [Journal of Family Resource Management and Policy Review]

• 간기

  계간

• pISSN

  1738-0391

• eISSN

  2713-9662

• 수록기간

  1997~2026

• 등재여부

  KCI 등재

• 십진분류

  KDC 590 DDC 640