有配偶者世帯における多重債務の要因

概要

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The issue of heavy debtors has become serious. This paper seeks to extract and generalize the factors for heavy debt, to examine the social background of such factors from the viewpoint of genders, and to show effective methods for resolution. The data used here consist of consultation records of married persons who visited counselors specialized in family expenses (302 males, 150 females). In this paoer, I classified the incomes and expenses that increased the debts of those who sought consultation. Then, I analyzed the multiplicity of causes, mutual relations between causes, and relations among the family members of the persons who sought consultation. As a result, I was able to extract four factors for heavy debt: income, occupation, credit and saving. I also found that these factors are due to social dangers resulting from "the type of family that assumes males as breadwinners," which is based on the division of roles by genders in Japan. In conclusion, it is necessary for married persons to pursue a double income instead of a single income, which is vulnerable to risks and that it is essential to establish a lifestyle free from eender-based differences.
社団法人日本家政学会の論文
2004-04-15