Journal of Families and Better Life (가정과삶의질연구)

Korean Home Management Association (가정과삶의질학회)
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Analysis of Financial Ratio Change in Self-Employed Households with Economy Depression -A Comparison between year of 1997 and 1998-

경기불황에 따른 자영업가구의 재정비율의 변화분석 -1997년 대비 1998년의 재정비율분석 비교-

  • 배미경 (계명대학교 생활과학부 소비자정보전공)
  • Published : 2001.08.01
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Abstract

This study analyzed the financial ratio change of self-employed households between 1997 and 1998. The data were drawn from Korean Households Panel Study and utilitze7 descriptive statistics such as frequency, percentile to investigate the differences between two period of time, 1997 and 1998. The sampe size in 1997 was 692 householdsand and 600 households in 1998. The mean of financial asset showed that in 1997, self-employed households had much less in liquidity assets, especially in bank-related income, stock, but had more in real-estate, Gye, and private loan than those in 1998. In cases of debt-owned, the self-employed tended to have more debt in non-bank related and it illustrates that the self-employed may experience the difficulties to access the financial assistance in economic depression. Using guideline of each ratios, for six financial ratios, self-employed could meet less proper level$ in 1998 compared to those in 1997. It proves that the economic crisis affect the stability of income and financial assets of self-employed households and types of financial assets changes because of the stability.

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References

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