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.