주택가격변화에 따른 가계부채의 위험증가에 대한 연구

A Study on the Risk in the Household Loans with the Change of House Pricies in Korea

1. CONTENTS (1) RESEARCH OBJECTIVES The purpose of this study is to forecasting the risk in the household debts as the home prices drop in Korea. (2) RESEARCH METHOD This study was focused on statistical analysis. The data for this analysis were collect from Kook-Min Bank’s survey(2009). This data consisted of 622 households who borrowed the money on the securities of their house from Kook-Min Bank. Especially, in this study the senstivity analysis and regression analysis were used. (3) RESEARCH FINDINGS In the results of this study, if home priceis get lower and lower, the households who may be in danger will get younger and the size of their house will get larger. 2. RESULTS The results of regression analysis is as follows: If home pricies in Korea is getting lower and lower, Firtst, the order the loanees are, the lower their LTV(Loan to Value) are. Second, the larger the loanee’s house are, the lower their LTV are.