표 2 전체가구 실증분석

전체가구(1) 전체가구(2) 전체가구(3) 전체가구(4) 전체가구(5) 전체가구(6) 전체가구(7)
H_age 0.170*** 0.170*** 0.172*** 0.171*** 0.168*** 0.170*** 0.171***
(0.0286) (0.0285) (0.0285) (0.0284) (0.0284) (0.0286) (0.0284)
H_age2 –0.00163*** –0.00163*** –0.00164*** –0.00164*** –0.00163*** –0.00163*** –0.00165***
(0.000276) (0.000275) (0.000275) (0.000275) (0.000275) (0.000276) (0.000274)
Income –0.00011*** –0.000112*** –0.000111*** -0.000108*** –0.000105*** –0.000110*** –0.000117***
(1.83e-05) (1.82e-05) (1.81e-05) (1.81e-05) (1.80e-05) (1.83e-05) (1.83e-05)
Nasset –2.04e-05*** –1.91e-05*** –1.84e-05*** –1.90e-05*** –1.90e-05*** -2.04e-05*** –1.85e-05***
(2.65e-06) (2.61e-06) (2.63e-06) (2.57e-06) (2.54e-06) (2.67e-06) (2.59e-06)
Fdebt 1.88e-05*** 2.13e-05*** 2.14e-05*** 1.99e-05*** 2.03e-05*** 1.87e-05*** 2.03e-05***
(3.56e-06) (3.61e-06) (3.61e-06) (3.52e-06) (3.52e-06) (3.59e-06) (3.55e-06)
MtD –0.364***
(0.0963)
RMtD –0.343***
(0.100)
LMtD –0.447***
(0.102)
LM2tD –0.766***
(0.121)
OMtD 0.0262
(0.236)
CtD 0.582***
(0.104)
상수항 –5.239*** –5.057*** –5.212*** –5.163*** –5.031*** –5.239*** –5.426***
(0.714) (0.714) (0.712) (0.711) (0.711) (0.714) (0.713)
N 5,031 5,031 5,031 5,031 5,031 5,031 5,031
주 : 1) 괄호는 standard error, *** p<0.01, ** p<0.05, * p<0.1.
2) MtD는 담보대출액/금융부채, RMtD는 부동산담보대출액/금융부채, LMtD는 거주주택담보대출액/금융부채, LM2tD는 거주주택마련 목적 담보대출액/금융부채, OMtD는 거주주택 이외 부동산마련 목적 담보대출액/금융부채, CtD는 신용대출액/금융부채를 의미.