Credit Ceiling Loans), a primary tool by the Bank of Korea (BOK)’s credit policy operations on bank loans to small and medium …-sized enterprises (SMEs). Measuring the influence of the Bank Intermediated Lending Support Facility on SMEs’ credit availability is …. These effects are particularly prominent for enterprises with medium-credit scores (ratings 5-6), start-ups, and enterprises …

procyclicality in financial intermediation. It requires banks to set aside additional capital buffer in times of credit overheating …, and allows them to release the buffer when a breakdown in credit intermediation is imminent. To operationalize this buffer …, it is important to find information variables that enable policymakers to determine whether current credit activities are …

capital adequacy rate and the credit spread are affecting the loan market as supply side factors, while the rates of increase …

Korean Abstract: 본 연구에서는 북한이탈주민의 신용행태를 분석하기 위해 신용정보 데이터(Credit Bureau data)를 이용하였다. 신용정보 데이터에서 북한이탈주민과 소득수준, 성별, 연령 …English Abstract: This paper examines the credit behaviors of North Korean defectors living in South Korea, using … Korean credit bureau data. We construct individual-level panel data on North Korean defectors and South Korean residents …

of the Covid19 crisis and estimates size- and sector-differentiated firm credit risks and occupation …-differentiated household credit risks under the scenarios. This study also estimates the effect on interest income shocks to financial … financial institutions by combining the effects of Covid19 on firm and household credit risks and interest income shocks to …