지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
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연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
논문 기본 정보
- 자료유형
- 연구보고서
- 저자정보
- 발행연도
- 2018.8
- 수록면
- 1 - 128 (128page)
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초록· 키워드
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The rapid increase in household debt under increasing internal and external economic uncertainties could lead to an economic crisis. Household loans in Seoul account for 74.1% of GRDP in 2016. The share of household debt in GRDP is larger in Seoul than in the whole country. The size of household debt in Seoul is steadily increasing. However, there are not many systematic studies on the household debt of Seoul. Since most of the studies are conducted nationwide, it is difficult to diagnose the household debts of Seoul using the existing research results. This study aims to propose the role of Seoul Metropolitan government for the diagnosis and reduction of household debt in Seoul through various methods.
This study consists of six chapters. Chapter 1 describes the background, purpose, content, and method of this study as an introduction. In chapter 2, we discuss the impacts on household debt and the local economy in Seoul. In this chapter, we analyze the household debt of Seoul by macroeconomic analysis. Firstly, we analyze the impact of household debt on the local economy using the static analysis model. Methodologically, multiple regression analysis is performed with three variables including income, household debt, and loan interest rate. Next, to overcome the limitations of static analysis, we use a structural vector autoregression(SVAR) model to perform dynamic analysis. The SVAR model consists of five variables. The five variables are modeled by the channel of financial sector(loan interest rate, household debt) and channel of real sector(business cycle, real estate price, income). We analyze the time path, the change, the size and the effect of the household debt on the change of the main policy variables by the impact response function. In Chapter 3, we examine the index of household debt and analyze the risk of household debt in Seoul. We use the method of composite index to calculate the household debt index, which can be used to assess the household debt level in Seoul. In Chapter 4, we survey the actual state and prospects of household debt in Seoul. The survey is conducted on 1,000 households in Seoul. The survey examines the general status of individual households, the characteristics of assets and liabilities, the prospect of household debt, and the direction of Seoul metropolitan government’s policy in Seoul. In Chapter 5, we deal with the current state and the limitations of policies related to household debt. The last chapter summarizes the implications of this study and suggests policy direction of Seoul metropolitan government.
This study consists of six chapters. Chapter 1 describes the background, purpose, content, and method of this study as an introduction. In chapter 2, we discuss the impacts on household debt and the local economy in Seoul. In this chapter, we analyze the household debt of Seoul by macroeconomic analysis. Firstly, we analyze the impact of household debt on the local economy using the static analysis model. Methodologically, multiple regression analysis is performed with three variables including income, household debt, and loan interest rate. Next, to overcome the limitations of static analysis, we use a structural vector autoregression(SVAR) model to perform dynamic analysis. The SVAR model consists of five variables. The five variables are modeled by the channel of financial sector(loan interest rate, household debt) and channel of real sector(business cycle, real estate price, income). We analyze the time path, the change, the size and the effect of the household debt on the change of the main policy variables by the impact response function. In Chapter 3, we examine the index of household debt and analyze the risk of household debt in Seoul. We use the method of composite index to calculate the household debt index, which can be used to assess the household debt level in Seoul. In Chapter 4, we survey the actual state and prospects of household debt in Seoul. The survey is conducted on 1,000 households in Seoul. The survey examines the general status of individual households, the characteristics of assets and liabilities, the prospect of household debt, and the direction of Seoul metropolitan government’s policy in Seoul. In Chapter 5, we deal with the current state and the limitations of policies related to household debt. The last chapter summarizes the implications of this study and suggests policy direction of Seoul metropolitan government.
목차
[표지]
[요약]
[목차]
표
그림
[01 연구개요]
1_연구배경 및 목적
2_연구내용 및 방법
[02 서울시 가계부채와 지역경제에 미치는 영향]
1_서울시 가계부채 현황
2_가계부채에 영향을 미치는 경제적 요인
3_서울경제에 미치는 영향
[03 가계부채 진단지표와 서울시 가계부채의 위험성 분석]
1_가계부채 진단지표
2_서울시 가계부채의 위험성 분석
[04 서울시 가구의 가계부채 실태와 전망]
1_분석개요
2_부채가구의 가계부채 특성
3_서울시 가구의 가계 전망
[05 가계부채 관련 정책 현황과 한계]
1_중앙정부 가계부채 정책
2_서울시 가계부채 정책
3_시민들이 생각하는 가계부채 정책방향
[06 결론 및 제언]
1_서울시 가계부채 실태와 시사점
2_서울시의 역할과 지원방향
[참고문헌]
[부록]
1_설문지
[Abstract]
[Contents]
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UCI(KEPA) : I410-ECN-0101-2019-359-000441837