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This paper analyzes the determinants of indebtedness of household and those of default riskof indebted household, using Korean Survey of Household Finance for 2010-2014. The mainmotives of household borrowing are household deficit, house purchase, business capital. Thefirst logistic regression analysis reveals that the indebtedness of household is positivelyrelated with family size age, education years, income, real assets and negatively related withage square, unemployment, financial assets. The second analysis reveals that the default riskof household is positively related with family size age, over-burden household measured byDTI, DTA and negatively related with age square, income, real assets, financial assets. Thethird analysis reveals that the default risks of households which borrow for refunding,household expenditure, business are higher than the others.
