인문학
사회과학
자연과학
공학
의약학
농수해양학
예술체육학
복합학
DBpia AI
AI 에이전트
AI 아이디어
AI 리더
AI 뷰어
Citeasy
크롬 서지관리 다운로드
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.
초록·키워드
This study examined the characteristics of households categorized by debt burden levels based on the debt-to-asset ratio: no debt, debt burden ≤40%, and debt burden >40%. The 40% guideline is based on the debt-to-asset ratio guidelines used in 2024 by the CFP and AFPK certification holders in financial planning practices. The proportions of each group were 48.8%, 42.3%, and 8.8%, respectively. Households exceeding the 40% guideline were financially vulnerable, characterized by low levels of income, assets, and emergency funds, as well as limited financial literacy. In contrast, households within the ≤40% guideline exhibited strong financial stability, marked by high levels of assets, savings propensity, and financial knowledge. Debt-free households prioritized emergency funds and demonstrated risk-averse behaviors. The analysis of determinants for household types based on debt-to-income ratios indicates that groups such as women, individuals in their 30s, unmarried households, and those without homeownership are more likely to belong to the “no debt” or “over 40% debt” categories rather than the “under 40% debt” category.
본문·목차
인공지능 문자 인식 모델을 통해 추출된 텍스트로, 일부 오타나 오류가 포함될 수 있으나 지속적으로 개선 중입니다.
오류를 발견하셨다면 해당 부분을 드래그한 후 ' 를 통해 신고해주세요.
오류를 발견하셨다면 해당 부분을 드래그한 후 ' 를 통해 신고해주세요.
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