Korean Abstract: 본 보고서는 실증분석을 통하여 인터넷전문은행 도입으로 인한 은행산업 경쟁촉진의 성과를 살펴보고, 해외 사례 조사를 통하여 향후 소비자 후생 제고를 위하여 인터넷전문은행이 추구해야 할 방향을...

With CB data in South Korea, this study examines whether the credit risk of borrowers changes when the regulation on bank mortgage supply is relaxed. We analyze the effect of deregulation on LTV and DTI limits in the Seoul-metropolitan area in August 2014 with a differencein-difference approach....

This paper examines the impact of the regional cash subsidies which were granted in some districts in addition to the national universal stimulus payment in South Korea related to the COVID-19 pandemic. We evaluate the effects of the cash distribution per resident on aggregate credit and debit...

■ Since the onset of the COVID-19 pandemic, debts, especially among the vulnerable self-employed, have grown significantly. In recent months, high-interest lenders exhibited a rapid increase, raising associated credit risks.■ The analysis finds that policy financial support to individual...

Korean Abstract:■ 코로나19 발생 이후 취약 자영업자를 중심으로 부채가 큰 폭으로 증가하였으며, 최근에는 고금리업권 대출이 급증하여 신용위험이 높아짐.■ 개인사업자에 대한 정책금융 지원의 효과를 분석한 결과, 폐업...

Korean Abstract:본 연구는 KCB 개인 신용정보 표본자료를 활용하여 대표적 정책성 서민금융상품인 햇살론과 새희망홀씨의 장⋅단기 성과를 분석하고, 보증상품인 햇살론의 보증수준이 채무자의 대출 상환에 미치는 영향을...

This paper examines the impact of the regional cash subsidies which were granted in some districts in addition to the national universal stimulus payment in South Korea related to the COVID-19 pandemic. We evaluate the effects of the cash distribution per resident on aggregate credit and debit...

This paper analyzes the effects of the cut in the legal maximum interest rate (from 27.4% to 24%) that occurred in February of 2018 on loan interest rates, the default rates, and the loan approval rate of borrowers in the non-banking sector. We use the difference-in-difference identification...

Korean Abstract:■ 금리인상에 따라 중장년층에 비해 청년층의 소비가 큰 폭으로 감소하였으며, 청년층 중에서도 부채가 많을수록, 소득이나 신용등급이 낮을수록 소비 감소폭이 크게 나타남.- 20대의 소비 감소폭은 약 29만...

■ Rising interest rates disproportionately lowered consumption among young adults compared to middle-aged and older adults, with larger decreases observed for young adults with higher levels of debt, lower income, or weaker credit ratings.- Those in their 20s reduced their consumption by...