韩国经济转型过程中的家庭债务问题与启示

Korean household debt in economic restructuring and its implications

亚洲金融危机使韩国政府意识到出口导向型增长模式的脆弱性，韩国政府于是将政策重心逐步从促进出口贸易转向刺激国内消费。然而，在经济转型过程中，韩国的家庭债务持续攀升，成为威胁经济增长和金融稳定的主要风险，对韩国经济社会产生一系列不利影响。文章对韩国家庭债务的特征、起因、影响等问题进行深入研究，并结合中国实际得出一些有益的启示。

The Korean government began to realize the vulnerability of export-driven growth after the Asian financial crisis, and gradually shifted the policy focus from promoting export to simulating domestic consumption. However, in the process of economic restructuring, Korean household debt kept on rising, posing a major risk to economic growth and financial stability, which resulted in a series of adverse impacts on Korean economy and society. The article gives an in-depth study on the characteristics, causes and impacts of Korean household debt and gives useful insights to China＇s practice.