Earticle

초록

영어

The purpose of the study was to provide the informations about the debt structures of households in 7 metropolitan city areas including Seoul, Busan, Daegu, Daejeon, Incheon, Gwangju and Ulsan. Utilizing the 2003 Korean Labor and Income Panel Study, the debt structures were investigated by the debt holding, debt outstandings, debt types and debt burdens. The debt burdens were examined by debt ratios to income, financial assets and total assets and subjective debt burden. Debts were analyzed in the context of other household economic components such as incomes, expenses and assets.
The results showed that the debt structures of the households were different according to cities where they lived. Debt amount of Seoul was the highest, but the debt status of the households living in Seoul did not seem to be worse than the others. Daegu was found to be the worst city among the cities in terms of the deficiency of household incomes and few amounts of financial assets. The households in Incheon were also in worse status due to the few amounts of financial assets. The results imply that the effective approaches to improve the debt status or to solve the debt problems of households should be taken differently according to the areas and some implications were made in the conclusion.

목차

Abstract
 I. 연구목적
 II. 가계부채에 관한 선행연구의 고찰
 III. 연구방법
  3.1 연구문제와 용어의 정의
  3.2 자료와 분석방법
  3.3 분석기구의 사회인구학적 특성
 IV. 연구결과
  4.1 가계부채보유여부의 비교
  4.2 가계부채보유규모와 비중의 비교
  4.3 부채보유가계의 가계수지와 자산의 비교
  4.4 부채보유가계의 부채부담의 비교
 V. 결어
 참고문헌

키워드

부채구조 부채비율 부채부담 가계 지역 도시 debt structures debt ratio debt burden households region city

저자

• 성영애 [ Sung, Young-Ae | Dept. of Consumer & Child Studies, University of Incheon ]

참고문헌

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