지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
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초록· 키워드
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In order to develop policies to help the poor with bad credit(PBC), this study examines the living standards of PBC and the difference in the living standards between PBS and the general poor(GP), using the survey data collected from Aug, 2003 to Sep, 2003 with 125 samples for PBC and 609 samples for GP. This survey data are also analyzed by conducting Frequency analysis, T-test, and Two-way ANOYA data analysis.
The major findings of this study are as follows: the 95.7% of the total household head of PBC are young (the age range is between 20-40 years old) and most of them are eager to go to work. However, the only 23% of PBC is currently employed, 46.1% of them has about 50 million-l00 million(won) debts, but 35.7% of them can repay their debt in 5 years. The difference between PBC and GP group is significant in terms of the amount of debt, income, saving, and their effort to find job. However, there is no significant difference in terms of the coverage of employment insurance and the industrial accident insurance. Although the level of PBCs income is higher than that of GP, the level of their expenditure on food, health, and medical care is significantly low. In addition, the level of PBC's communication and debt payment expenses is significantly higher. Interestingly, the PBC show a higher tendency to do gambling and impulse buying.
There have been many assistance programs for the working bad credit holders who can repay debt. In contrast, the PBC are excluded from any program as this group is incapable to repay. This fact implies that there is no exit for PBC, Securing PBC's rights to survive is very important not only for them but also for the soundness of society as a whole. In this regard, the following policies are recommended: the reinforcement of social safety net, establishment of labor bank, establishment of NGO credit counseling organization & creating fund, and buy debt of PBC.
The major findings of this study are as follows: the 95.7% of the total household head of PBC are young (the age range is between 20-40 years old) and most of them are eager to go to work. However, the only 23% of PBC is currently employed, 46.1% of them has about 50 million-l00 million(won) debts, but 35.7% of them can repay their debt in 5 years. The difference between PBC and GP group is significant in terms of the amount of debt, income, saving, and their effort to find job. However, there is no significant difference in terms of the coverage of employment insurance and the industrial accident insurance. Although the level of PBCs income is higher than that of GP, the level of their expenditure on food, health, and medical care is significantly low. In addition, the level of PBC's communication and debt payment expenses is significantly higher. Interestingly, the PBC show a higher tendency to do gambling and impulse buying.
There have been many assistance programs for the working bad credit holders who can repay debt. In contrast, the PBC are excluded from any program as this group is incapable to repay. This fact implies that there is no exit for PBC, Securing PBC's rights to survive is very important not only for them but also for the soundness of society as a whole. In this regard, the following policies are recommended: the reinforcement of social safety net, establishment of labor bank, establishment of NGO credit counseling organization & creating fund, and buy debt of PBC.
목차
1.들어가며
2.신용불량 빈곤층의 신빈곤적 특성
3.선행연구
4.연구방법
5.분석결과
6.정부정책의 문제점 및 개선방안
7.마치며
참고문헌
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UCI(KEPA) : I410-ECN-0101-2009-910-014170441