표 3 저소득층 실증분석

저소득층(1) 저소득층(2) 저소득층(3) 저소득층(4) 저소득층(5) 저소득층(6) 저소득층(7)
H_age 0.170*** 0.172*** 0.171*** 0.171*** 0.172*** 0.169*** 0.172***
(0.0390) (0.0390) (0.0390) (0.0390) (0.0390) (0.0391) (0.0389)
H_age2 –0.00169*** –0.00169*** –0.00168*** –0.00169*** –0.00170*** –0.00168*** –0.00171***
(0.000366) (0.000366) (0.000366) (0.000366) (0.000366) (0.000368) (0.000364)
Income –0.000145 -0.000139 –0.000139 –0.000135 –0.000126 –0.000147 –0.000134
(9.08e-05) (9.11e-05) (9.10e-05) (9.11e-05) (9.12e-05) (9.09e-05) (9.16e-05)
Nasset –2.99e-05*** –2.77e-05*** –2.64e-05*** –2.76e-05*** –2.60e-05*** –2.91e-05*** –2.68e-05***
(5.93e-06) (5.88e-06) (5.96e-06) (5.85e-06) (5.73e-06) (5.94e-06) (5.76e-06)
Fdebt 1.79e-05** 2.22e-05** 2.23e-05** 2.02e-05** 2.11e-05** 2.14e-05** 2.03e-05**
(8.66e-06) (8.81e-06) (8.87e-06) (8.64e-06) (8.75e-06) (9.07e-06) (8.51e-06)
MtD –0.351**
(0.145)
RMtD –0.335**
(0.163)
LMtD –0.345**
(0.165)
LM2tD –0.926***
(0.220)
OMtD –0.912
(0.603)
CtD 0.626***
(0.154)
상수항 –4.746*** –4.695*** –4.767*** –4.764*** –4.740*** –4.726*** –5.066***
(1.017) (1.017) (1.017) (1.016) (1.016) (1.019) (1.019)
N 1,474 1,474 1,474 1,474 1,474 1,474 1,474
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.