Journal of the Korean Home Economics Association 2000;38(2):65-77.
유형별 부채의 보유결정에 영향을 미치는 요인 분석
성영애, 최현자
인천대학교 가정관리학과, 서울대학교 소비자학과
Determinants of the Household Use of Different Types of Debt
성영애, 최현자
ABSTRACT
This study investigated the effect of socio-demographic variables and the ownership of asset and the other types of debts on the use of a specific type of household debt. Household debts were categorized into six types according to borrowing sources: debts from banks, other financial institutes, employers, private sources, Gye, and retailers. The 1996 Korean Household Panel Study were analyzed using logistic model. It was found that socio-demographic factors influenced differently on the probabilities of debt holdings according to the types of debt. There were interrelationships among the ownerships of a specific type of debt and other types of debt and asset.