Bankruptcy Filers’ Financial Behaviors

이종희(Lee, Jonghee) 한국소비문화학회 2013 소비문화연구 Vol.16 No.2

소비자 금융과 신용 카드 사용이 증가하면서, 개인 파산이 급격하게 증가하고 있다. 개인 파산은 재정적 어려움으로 인하여 파탄에 직면한 개인 채무자가 상환할 수 없는 채무를 현실적인 금액으로 재조정하거나, 탕감하여 줌으로서 새 출발을 가능케 해 준다는 점에서 인생의 전환점이 될 수 있다. 그러나 파산 이후의 자격상의 제한 또는 신용도의 하락과 같은 부정적인 결과도 초래할 수 있다. 개인 파산의 증가와 함께 선행 연구들은 개인 파산의 결정 요인과 개인 채무자들이 파산을 통하여 얻게 되는 경제적 실익에 집중하여 왔다. 이에 본 연구는 미국의 가계를 대상으로 한 데이터를 이용하여 개인 파산자들의 지출 행동과 부채 상환에 관하여 분석하였다. 연구 결과 개인 파산자들의 지출 행동과 부채 상환은 비파산자들과 상이하였다. 또한 파산 선고 이후 시간이 흐름에 따라 이러한 유의한 차이는 다소 감소하는 경향을 보였다. The growing number of personal bankruptcy filers has spurred extensive literature about household financial conditions prior to bankruptcy filings or immediate financial benefits. Personal bankruptcy can be a turning point in the lives of financially troubled consumers, while personal bankruptcy can have a devastating effect on the filers’ credit information. Nevertheless, there has been a lack of attention on what happens to debtors after they file for bankruptcies. By using U.S. household- level data, this study investigates the financial behavior such as spending patterns and debt payment of personal bankruptcy filers. The findings from this study provide empirical evidence on the differences in financial behaviors between personal bankruptcy filers and non-filers.

가계의 금융권 선택과 채무위험: 비은행권 대출을 중심으로

이종희(Jonghee Lee) 가정과삶의질학회 2022 가정과삶의질연구 Vol.40 No.1

불균형 데이터 환경에서 가계부채 상환연체 분류를 위한 머신러닝의 활용

이종희 ( Lee Jonghee ) 한국소비자학회 2019 소비자학연구 Vol.30 No.6

본 연구는 머신러닝(Machine Learning)의 분류모형을 통해 가계부채 상환연체 가능성이 높은 가계를 탐지하고자 하였다. 머신러닝의 예측 모형 중에서 분류모형으로 많이 사용되는 모형으로 이항 로지스틱 회귀분석모형(Binary Logistic Regression Model)과 의사결정나무모형(Decision Tree Model)을 이용하였다. 통계청의 2018년 「가계금융·복지조사」를 활용한 기술통계분석 결과 가계부채 상환연체를 경험한 가계의 비율은 조사대상자의 약 11.1%에 해당하였다. 분류문제에서 특정 범주의 빈도가 다른 범주에 비해 과도하게 높은 데이터불균형 상황에서는 머신러닝 알고리즘의 성능이 저하될 수 있다. 이러한 데이터불균형 문제를 해소하기 위하여 오버 샘플링(Over-sampling)및 다운 샘플링(Down-sampling) 방법을 적용하고, 분류모형의 성능을 개선하고자 하였다. 다양한 분류기법들을 활용하여 도출된 대안적인 모형들의 적합도를 검증한 결과 오버샘플링을 적용한 분류모형의 민감도(Sensitivity)가 향상된 것으로 나타났다. 또한 예측 및 분류도구로서의 유용성을 판단해보면 민감도가 높으며, ROC곡선 분석 결과가 더 높게 나타난 이항 로지스틱 회석분석모형이 차입가계의 부채상환 연체 모형을 구축하는데 보다 유용한 것으로 나타났다. This study aims to detect households at high risk of insolvency using The Survey of Household Finances and Living Conditions in 2018. For that purpose, this study uses two machine learning classifiers, Logistic Regression and Decision Tree model for binary classification. As a result of the descriptive statistics, the proportion of the household which fall behind on their debt payment, which can be regarded as households with a high risk of insolvency, accounted for about 11%. It is well known that when the proportion of one class in a dataset is dominant, the prediction performance of classifiers become problematic. It causes the machine learning classifiers to be more biased toward dominant classes. In order to address the degree of imbalance of two classes in data sets, several sampling methods were considered. This study found that Over-sampling techniques achieve in better prediction performance with a higher sensitivity. Based upon the sensitivity and ROC curve of the two techniques, the logistic regression model performed better than the decision tree model.

유니버셜 디자인을 적용한 고령친화 의자 개발을 위한 기초연구

이종희(Jonghee Lee),이진(Jin Lee) 한국가구학회 2018 한국가구학회지 Vol.29 No.4

In the aging society, the senior industry are becoming popular with the elderly as their main consumers. The nation promoting the development of goods that aid the elderly in real life reflects that designing products in consideration of the physical functions and emotional intimacy of elderly people are becoming important. Therefore, this study aims to develop an armchair, one of the most used household products by the elderly, and provide information in hopes of accelerating the commercialization of senior friendly products. The concept of universal design is to create a product that everyone can use comfortably. With this in mind, the process of this study is as follows: 1. basic data research, 2. product manufacturing research, and 3. product commercialization research. We aim to proceed with the basic data research for product development, which is the first step of the process. Basic research data will be obtained by measuring the human body dimension on the ergonomics level of the senior people who visit two senior welfare centers in Seoul under a memorandum of understanding (MOU). In addition, through 1:1 face-to-face survey method, we investigate the preferences on the chair frame, finishing materials, and the shade of materials categorized by age and sex. Based on the results of the analysis, we will cooperate with AND co. to carry out a follow-up study to manufacture an armchair reflecting the physical condition and emotional affinity of the elderly. The researchers hope this research will provide useful information to aid senior people live their daily lives with pleasure and comfort.

경기 대침체 이후 가계의 부채상환 문제

이종희 ( Jonghee Lee ) 대한가정학회 2017 Human Ecology Research(HER) Vol.55 No.3

The recent Great Recession of 2008 was a period of sharp economic decline throughout the late 2000s. All socio-demographic groups were impacted by the economic downturn, however, Hispanic households were particularly hard hit. It is not a recent phenomenon that minority groups often have greater problems related to credit and debt repayments. A better understanding of these racial/ethnic differences in credit and debt has been hindered by the propensity of many studies to pool all racial/ethnic minorities together and compare them to white households. Using a Heckman-type selection model with a combination of the 2010 and 2013 Survey of Consumer Finances datasets to study household debt repayment problems, we found that racial/ethnic groups have been differently impacted by the recent Great Recession in terms of debt repayment problems. Hispanic households were less likely to hold debt; however, those with debt were just as likely as white households and African American households to be delinquent in repayments. This finding is contrary to prior research that indicated Hispanics with debt were less likely than white and African American households to be delinquent on repayments prior to the Great Recession of 2008. We propose possible explanations for the increase in debt repayment problems, that includes increased assimilation into the U.S. culture of credit use, the circumstance of being more recent home buyers prior to the decline, and living in states that suffered the greatest decline in housing value.

중ㆍ고등학교 교과서에 나타난 금융교육 내용 분석

이종희(Jonghee Lee),이연숙(Yonsuk Lee) 가정과삶의질학회 2015 가정과삶의질연구 Vol.33 No.2

데이터마이닝 기법을 이용한 중년층의 가계부채 연체 가능성 분류 연구

이종희(Jonghee Lee) 가정과삶의질학회 2020 가정과삶의질연구 Vol.38 No.3

소득계층별 적자가계의 소비 지출 분석

이종희(Jonghee Lee),양세정(Sejeong Yang) 가정과삶의질학회 2014 가정과삶의질연구 Vol.32 No.5

한국 중산층의 계층귀속의식

이종희(Lee, Jonghee) 한국소비문화학회 2017 소비문화연구 Vol.20 No.2

중산층은 국민 전체를 대표하는 주된 소득계층이자 노동력을 공급하는 주체로 국민 경제에 있어 핵심적인 계층 이다. 이에 따라 정부의 역점사업도 중산층에 집중되어 있으므로, 중산층의 대상 한정은 중요한 사안이다. 최근몇 년간 정부가 발표한 중산층의 비중은 통계상으로는 증가하고 있으나 스스로를 중산층이라고 생각하는 체감중 산층의 비중은 감소하고 있다. 이에 본 연구는 OECD와 한국통계청의 기준에 의거하여 경제적 요소인 소득이라는 단일 척도로 계층을 분류하고, 그러한 중산층의 계층귀속의식을 분석하였다. 연구결과는 다음과 같다. 첫째, 소득으로 분류한 계층과 개인이 주관적으로 인지하는 체감중산층 간에는 괴리가 존재하는 것으로 나타났다. 둘째, 중산층이 실제로 중산층의 계층귀속의식을 갖는지 여부를 종속변수로 하여 다변량 통계분석을 실시한 결과, 소득, 연령, 직업, 결혼과 같은 객관적 지표와 자신이 예측하는 미래의 소득 변화, 타인과 비교한 소비생활 수준, 소비 및 지출규모에 대한 만족도 등과 같은 주관적 지표가 유의미한 독립변수인 것으로 나타났다. This study examined people s subjective class identification and their objective one measured by their economic group among middle class. It analyzed variables which make the middle-class Koreans measured by their economic group view themselves as middle class in the class hierarchy with 2015 Consumption Life indicators by Korea Consumer Agency. Consistent with previous theoretical predictions, the findings from the study indicated that demographics such as age, job status, or marital status and the financial variable such as property income influence the divergence of two class identities. Besides of objective factors, individuals’ subjective factors such as the expectation about their future income, relative deprivation, and satisfaction about their consumption level were significantly related with the class divergence.

성격유형에 따른 원룸형 주거의 공간구성 및 가구 선호도에 관한 연구

이종희(Jonghee Lee),김휘경(Hwikyung Kim) 한국가구학회 2016 한국가구학회지 Vol.27 No.3

Single-person household is estimated to be about 26.5% of the total household in 2015, which counts as 5060000 in numbers. We opt to acknowledge the various requests of these single residents, and in order to raise their satisfaction, we investigated on how personal taste, psychological interest, and personality attribute affects the user’s preference of space organization and furniture in one room housing. Using the qualified psychology program, Enneagram Personality Type Indicator, we surveyed young people under 30 years old (majority of single-person households), regarding space organization and furniture preference. With the help of a specialist, the survey was constructed with appropriate evaluation items (space organization in one room households, bed, sofa, furniture material, etc), and analyzed the relationship between the evaluated items and personality types. Results showed there is a relationship between personality types and spatial structure. First, preference of spatial structure differed for different personality types. Second, the shape and size of furniture was dependent more on the ease of usability and design rather than on the personality types. One thing to consider is that type 1 and 9 accounted for about 50% of the total surveys. This emphasizes that the preferred spatial structure of a dominant specific personality type should not be overlooked.