전세가율이 전세반환보증보험 사고율에 미치는 영향에 관한 연구

The housing market is intertwined with complex relationships of influence. These market characteristics may cause greater distortion in other aspects if the market is interpreted in a biased way. A representative example is the dysfunction of the Jeonse return guarantee insurance system, which is the subject of this study. Despite its positive function for the housing stability of the common people, it served as a catalyst to induce investment, gap investment, and lease fraud using Jeonse loans. This study specifically focused on lease accidents caused by the ‘gap investment’ method among the types of lease accidents. It empirically analyzed the correlation between the lease rate and lease accidents. The selection of variables was conducted through regression analysis to investigate the influence relationship between the high-risk lease rate complex ratio and average lease rate in Seoul, Gyeonggi, and six major metropolitan cities as independent variables and the lease return guarantee accident rate of the Housing and Urban Guarantee Corporation (HUG) as the dependent variable. As a result of the analysis, the high-risk lease rate complex ratio had a strong influence on the guaranteed accident rate, and the average lease rate also showed a significant relationship with the guaranteed accident rate. Based on the results of this study, it will be possible to contribute to securing the financial soundness of HUG and establishing effective policies for tenant protection by reducing the warranty accident rate in the future. Furthermore, we hope to open a forum for full-scale discussion on the Jeonse system and gap investment to stabilize the housing market.