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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
- 학위논문
- 저자정보
- 지도교수
- 서정렬
- 발행연도
- 2023
- 저작권
- 영산대학교 논문은 저작권에 의해 보호받습니다.
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According to the "Results of the 2021 Housing Survey," the proportion of households living in their own homes across the country has decreased, and the number of rented households has increased. In the demand for housing support policies for jeonse households, loan support for jeonse funds was responded as the most necessary support policy.
In addition to the Housing Lease Protection Act, the government introduced the "Jeonse Fund Guarantee" and "Jeonse Deposit Return Guarantee" systems as policies to help tenants prepare jeonse deposits and protect the jeonse deposits.
Recently, the problem of jeonse fraud has emerged as a social problem through the surge and plunge in housing prices, and the occurrence of guarantee accidents related to jeonse funds has increased.
The occurrence of jeonse fund guarantee accidents can occur due to factors such as markets, renters, and tenants, and the types of jeonse fraud include brokers, landlords, and builders. Therefore, this study aims to present a plan to reduce the accident rate of jeonse guarantee and prevent jeonse fraud by identifying the status and characteristics of jeonse guarantee accidents centered on regional and household characteristics.
The analysis of this study was classified by region in 85 cities in Korea using the 2021 lease fund guarantee data of the Korea Housing Finance Corporation and the household characteristics data of the National Statistical Office. In addition, two analysis methods were analyzed using a multiple regression analysis model.
As a result of the analysis by the first analysis method, the variables ''Joy marriage rate, early marriage rate, household number ratio (1st generation), multicultural marriage ratio, and Jeollanam-do'' were significantly analyzed. This is interpreted as a high possibility of default and guarantee accidents while divorcing, a low possibility of guarantee accidents when married, and a high possibility of guarantee accidents if a first-generation couple divorces.
As a result of the analysis by the second analysis method, the variables "divorce rate, marital age (20 to 34 years old) ratio, household number ratio (couple + child + parent), multicultural marriage ratio, Jeollanam-do" were significantly analyzed. This is interpreted as having a high possibility of default and guarantee accidents during divorce, and households consisting of only young couples and households consisting of three generations of couples, parents, and children are less likely to have guarantee accidents.
In addition, there are regional differences in guarantee accident rates, and it is
judged that it is premature to analyze multicultural households and further research is needed in the future.
According to the results of this study''s analysis, we would like to suggest measures to reduce the accident rate of lease fund guarantees and prevent lease fraud, and implications that can be referred to the operation of the government''s housing policy.
The policy implications for reducing the accident rate of lease guarantees are as follows.
First, it is required to "understand the household characteristics of loan and guarantee applicants" during the screening process of banks'' lease loans and guarantee companies'' lease fund guarantees. It is judged that the debtor''s household characteristic information is important in preventing accidents.
Second, it is required to "cut the guarantee ratio" of the guarantee agency''s lease fund guarantee for lease loans to be handled for the purpose of paying rental deposits for tenants of financial institutions. It is expected to prevent guarantee accidents by preventing indiscriminate handling of jeonse loans by lowering the guarantee ratio, strengthening the responsibility burden of financial institutions, and verifying the tenant''s repayment ability.
Third, it is required to lower the ''LTV'' and ''guarantee limit ratio'' of guarantee institutions. In order to verify the tenant''s repayment ability and prevent reckless lease contracts, it is expected to prevent guarantee accidents by raising the tenant''s credit risk burden ratio. In particular, the application of the LTV can also be expected to prevent guarantee accidents caused by can leases in preparation for falling housing prices.
Next, the policy implications for preventing jeonse fraud are as follows.
Fourth, it proposes a "conclusion of housing lease transactions and establishment of an information disclosure system" operated by the government with public confidence. The "housing lease transaction conclusion and information disclosure system" to prevent forgery and alteration of housing lease transaction documents allows contracting parties to inquire information on target houses, landlords, and tenants in real time. And it is expected that the establishment of a system that can conclude housing lease contracts online will insulate the jeonse fraud.
Fifth, education on how to sign a housing lease contract to prevent jeonse fraud is needed. It is expected to prevent jeonse fraud by providing public education on the law through public interest advertisements to prevent damage to contract fraud in housing lease contracts.
Finally, sixth, "rescue measures for victims of jeonse fraud" and "strengthening punishment for jeonse fraud" are required. A policy that allows individual rehabilitation of victims of jeonse fraud is needed, and punishment for jeonse frauds should be strengthened very strictly to prevent any more such victims.
The limitation of this study is that it was analyzed only with cross-sectional data for one year in 2021. Therefore, it is believed that additional research on the characteristics of jeonse guarantee accidents will be needed with the establishment of an expanded DB related to jeonse funds.
In addition to the Housing Lease Protection Act, the government introduced the "Jeonse Fund Guarantee" and "Jeonse Deposit Return Guarantee" systems as policies to help tenants prepare jeonse deposits and protect the jeonse deposits.
Recently, the problem of jeonse fraud has emerged as a social problem through the surge and plunge in housing prices, and the occurrence of guarantee accidents related to jeonse funds has increased.
The occurrence of jeonse fund guarantee accidents can occur due to factors such as markets, renters, and tenants, and the types of jeonse fraud include brokers, landlords, and builders. Therefore, this study aims to present a plan to reduce the accident rate of jeonse guarantee and prevent jeonse fraud by identifying the status and characteristics of jeonse guarantee accidents centered on regional and household characteristics.
The analysis of this study was classified by region in 85 cities in Korea using the 2021 lease fund guarantee data of the Korea Housing Finance Corporation and the household characteristics data of the National Statistical Office. In addition, two analysis methods were analyzed using a multiple regression analysis model.
As a result of the analysis by the first analysis method, the variables ''Joy marriage rate, early marriage rate, household number ratio (1st generation), multicultural marriage ratio, and Jeollanam-do'' were significantly analyzed. This is interpreted as a high possibility of default and guarantee accidents while divorcing, a low possibility of guarantee accidents when married, and a high possibility of guarantee accidents if a first-generation couple divorces.
As a result of the analysis by the second analysis method, the variables "divorce rate, marital age (20 to 34 years old) ratio, household number ratio (couple + child + parent), multicultural marriage ratio, Jeollanam-do" were significantly analyzed. This is interpreted as having a high possibility of default and guarantee accidents during divorce, and households consisting of only young couples and households consisting of three generations of couples, parents, and children are less likely to have guarantee accidents.
In addition, there are regional differences in guarantee accident rates, and it is
judged that it is premature to analyze multicultural households and further research is needed in the future.
According to the results of this study''s analysis, we would like to suggest measures to reduce the accident rate of lease fund guarantees and prevent lease fraud, and implications that can be referred to the operation of the government''s housing policy.
The policy implications for reducing the accident rate of lease guarantees are as follows.
First, it is required to "understand the household characteristics of loan and guarantee applicants" during the screening process of banks'' lease loans and guarantee companies'' lease fund guarantees. It is judged that the debtor''s household characteristic information is important in preventing accidents.
Second, it is required to "cut the guarantee ratio" of the guarantee agency''s lease fund guarantee for lease loans to be handled for the purpose of paying rental deposits for tenants of financial institutions. It is expected to prevent guarantee accidents by preventing indiscriminate handling of jeonse loans by lowering the guarantee ratio, strengthening the responsibility burden of financial institutions, and verifying the tenant''s repayment ability.
Third, it is required to lower the ''LTV'' and ''guarantee limit ratio'' of guarantee institutions. In order to verify the tenant''s repayment ability and prevent reckless lease contracts, it is expected to prevent guarantee accidents by raising the tenant''s credit risk burden ratio. In particular, the application of the LTV can also be expected to prevent guarantee accidents caused by can leases in preparation for falling housing prices.
Next, the policy implications for preventing jeonse fraud are as follows.
Fourth, it proposes a "conclusion of housing lease transactions and establishment of an information disclosure system" operated by the government with public confidence. The "housing lease transaction conclusion and information disclosure system" to prevent forgery and alteration of housing lease transaction documents allows contracting parties to inquire information on target houses, landlords, and tenants in real time. And it is expected that the establishment of a system that can conclude housing lease contracts online will insulate the jeonse fraud.
Fifth, education on how to sign a housing lease contract to prevent jeonse fraud is needed. It is expected to prevent jeonse fraud by providing public education on the law through public interest advertisements to prevent damage to contract fraud in housing lease contracts.
Finally, sixth, "rescue measures for victims of jeonse fraud" and "strengthening punishment for jeonse fraud" are required. A policy that allows individual rehabilitation of victims of jeonse fraud is needed, and punishment for jeonse frauds should be strengthened very strictly to prevent any more such victims.
The limitation of this study is that it was analyzed only with cross-sectional data for one year in 2021. Therefore, it is believed that additional research on the characteristics of jeonse guarantee accidents will be needed with the establishment of an expanded DB related to jeonse funds.
목차
- Ⅰ. 서론 11. 연구의 배경 및 목적 12. 연구의 범위 및 방법 63. 논문의 구성 9Ⅱ. 이론적 배경 및 선행 연구 고찰 111. 전세보증 제도의 이론적 배경 11가. 주택임대차보호법 및 시행령 11나. 주택임대차계약 및 전세보증금반환보증 제도 19다. 전세자금대출 및 전세자금보증 제도 242. 우리나라 가구 특성별 이론적 배경 28가. 가구 특성별 분류 기준 28나. 지역 특성별 분류 기준 323. 선행 연구의 고찰 및 연구의 차별성 34가. 선행 연구의 구성 배경 34나. 가계대출 연체율 및 채무불이행 결정요인에 관한 선행 연구 36다. 가구 구성과 해체 요인 및 특성 가구에 관한 선행 연구 40라. 선행 연구와의 차별성 43Ⅲ. 보증 실태 및 가구 특성별 현황 451. 전세보증 실태 45가. 한국주택금융공사 전세자금보증 실태 45나. 주택도시보증공사 전세보증금반환보증 실태 52다. 한국주택금융공사⋅주택도시보증공사 합산 전세보증 실태 59라. 2021년 대비 2022년 보증 실태 비교 632. 우리나라 가구 특성별 현황 65가. 가구 구성원의 세대 구성별 가구 특성 현황 65나. 특성 가구별 가구 특성 현황 69다. 세대주 나이별 가구 특성 현황 71라. 가구 구성 및 해체 요인별 가구 특성 현황 74마. 지역별 가구 특성 현황 75Ⅳ. 실증 분석 851. 분석 변수 85가. 변수의 선정 배경 85나. 종속변수의 선정 88다. 독립변수의 선정 90라. 더미변수의 선정 101마. 변수의 구성 1022. 분석 방법 104가. 분석 모형 104나. 세대별 분석 방법 105다. 부부 세대별 분석 방법 1073. 기술 통계량 분석 결과 109가. 기술 통계량 분석 결과 : 세대별 분석 방법 109나. 기술 통계량 분석 결과 : 부부 세대별 분석 방법 1124. 다중회귀분석 결과 114가. 다중회귀분석 결과 : 세대별 분석 방법 114나. 다중회귀분석 결과 : 부부 세대별 분석 방법 119Ⅴ. 결론 및 시사점 1231. 연구의 결론 및 정책적 시사점 123가. 연구의 결론 123나. 정책적 시사점 1292. 연구의 한계 및 향후 과제 132참고문헌 133ABSTRACT 141감사의 글 145
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