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가계 채무불이행 위험의 결정요인에 대한 분석과 시사점
Author
김영일, 진경희
Journal Title
금융연구
Publication Year
2018
Topics
Summary
This study empirically analyzes the determinants of household default risk using household micro-data. Based on the life-cycle theory, it examines the impact of household characteristics, credit activity, income, employment, and housing on default risk. The analysis reveals that vulnerability to economic shocks, income and employment instability, and homeownership significantly influence the risk of household default.
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