文在寅政府时期韩国房价暴涨与家庭负债危机探析  

On the Soaring House Prices and Household Debt Crisisduring MoonJaein’s Adminis-tratio

作　　者：金光熙[1] 王思加 Jin Guangxi;Wang Sijia

机构地区：[1]延边大学人文社会科学学院历史系,延吉133002

出　　处：《延边大学学报（社会科学版）》2023年第4期21-28,141,共9页Journal of Yanbian University：Social Science Edition

摘　　要：若仅依据统计指标,韩国已跻身世界经济强国行列。然而,在历史因素、量化宽松政策带来的低利息和房地产政策的失误等多种因素的交互作用下,文在寅执政期间房价暴涨,使韩国人陷入了严重的债务危机。同期出现的“调集灵魂”投资和“贷款投资”也进一步加剧了债务危机。韩国银行使用的两种家庭负债统计方法都遗漏了全租保证金贷款等重要债务,无法准确把握负债比率。现如今,差价投资盛行、信用贷款和全租资金贷款也大幅增加,因此韩国的家庭负债风险远比预想中要严重得多。If only according to statistical indicators,South Korea has become one of the world's economic powers.However,under the interaction of historical factors,low interest rates brought by quantitative easing policy and mistakes in real estate policy,housing prices soared during Moon Jae in's administration,which caused Koreans to fall into a serious debt crisis.During the same period,"soul mobilization investment"and"loan investment"further aggravated the debt crisis.The two household debt statistical methods used by Korean banks omit important debts such as full tax margin loans,which can not accurately grasp the debt ratio.Household debt risk in South Korea is far more serious than expected because of the prevalence of differential investment and a surge in credit and full-tax loans.

关 键 词：文在寅政府 房价暴涨 家庭负债危机 全租保证金贷款 差价投资 

分 类 号：F299.312.6[经济管理—国民经济]