A Comparison of Household Characteristics by Deficit Types

Sejeong Yang; Eunhwa Lee; Jonghee Lee

A Comparison of Household Characteristics by Deficit Types

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적자가계유형분류에 따른 가계특성 변화 분석

Type: Academic journal

Author: Sejeong Yang (Sangmyung University) Eunhwa Lee (Sangmyung University) Jonghee Lee (Korea University)

Journal: Association of Families and Better Life Journal of Families and Better Life Vol.33 No.1 KCI Accredited Journals

Published: 2015.2

Pages: 19 - 39 (21page)

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A Comparison of Household Characteristics by Deficit Types

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2015

A Comparison of Household Characteristics by Deficit Types

Sejeong Yang , Eunhwa Lee , Jonghee Lee Journal of Families and Better Life 2015.02 Academic journal

2014

적자가계유형에 따른 적자가계 특성 비교

양세정 , 이은화 , 이종희 가정과삶의질학회 학술발표대회 자료집 2014.04 Proceeding

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The purpose of the study was to examine the characteristics and economic status of deficit households. The data for this study were from The Household Income and Expenditure Survey in 2000, 2005, and 2010 conducted by the National Statistics Office (NSO). Deficit households were defined by those who had expenditures higher than their income. Among total households, the proportion of deficit households was 26.84% in 2000, 28.14% in 2005, and 27.15% in 2010. The average propensity to consume was 132.1 in 2005, which was higher than those in 2000 and 2010. Deficit households were classified into five types using cluster analysis: 1)overall-overconsumption group(33.07%), 2)basic needs group(26.33%), 3)transportation expenditure-dominated group(6.73%), 4)education expenditure-dominated group(27.63%), 5)health care expenditure-dominated group(6.24%). The overall-overconsumption group was the largest group of total households and the portion of this group among total households decreased by 4.97%p from 2005 to 2010. However, the education expenditure-dominated group increased by approximately 7.6%p over the period. It was also found that households in 2000 and 2010 were more likely to be in all five groups than households in 2005. Other major determinants of households with deficit were gender, age, number of family members, education level, dual income, home ownership, vehicle ownership, and income class.

#적자가계(deficit household) #가계유형(type of household) #가계소득(household income) #가계지출(household expenditure) #부채(debt) #지출구성비(consumption ratio) #소득계층(income class)

Abstract
Ⅰ. 서론
Ⅱ. 선행연구 고찰
Ⅲ. 연구문제 및 연구방법
Ⅳ. 연구결과
Ⅴ. 요약 및 시사점
REFERENCES

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1. [학술지(정기간행물)] - Ando, A. / 1963 / The life cycle hypothesis of saving : Aggregate implications and test / American Economic Review 53 (1) : 55 ~ 84

2. [학술지(정기간행물)] - Bae, M. / 1993 / Patterns of overspending in U. S. household / Financial Counseling and Planning 4 : 11 ~ 31

3. [보고서] - Blanc, J. L. / 2014 / Household saving behavior and credit constraints in the Euro area

4. [보고서] - Charles, K. K. / 2006 / Overspending-Who, why, and how?

5. [단행본] - Cho, I. / 2005 / SAS lecture and statistic consulting / Youngjin

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