솔리드웍스전문가 자격증 SEG2 A유형 12의 05문제

An index that evaluates the default risk of household debt by taking into account the overall income flow of households as well as financial and real assets, calculated by combining the principal and interest repayment ratio (DSR) to the debt/asset ratio (DTA) that measures a household's ability to repay debt in terms of assets.

 The household default risk index is set to have a value of 100 when households' DSRs and DTAs are 40% and 100% respectively, and whether the index exceeds 100 is classified as 'risk 

households'. Hazardous households can be divided into 'high-risk' households that are both vulnerable in terms of income and assets, 'high-DTA households' that are weak in terms of assets and 'high-DSR households' that are vulnerable in terms of income.

However, risk and high-risk households are designed to assess the extent to which they are vulnerable to debt repayment and do not mean that they face immediate defaults, or critical situations.