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of banks after being included in the system, implying that it does influence banks’ decisions by reducing information … asymmetry between banks and enterprises. This is the first study which empirically analyzes the effect of the BOK’s credit … banks since the global financial crisis …
Persistent link: https://www.econbiz.de/10014137072
of liquidity shocks. We analyze this relation by using quarterly loan panel data of all commercial banks in Korea, as … well as their borrowing firms. We find that when liquidity shocks are severe, banks generally reduce their lending, but … banks with a high core funding ratio tend rather to increase their lending to firms during periods of market-wide liquidity …
Persistent link: https://www.econbiz.de/10014137126
procyclicality in financial intermediation. It requires banks to set aside additional capital buffer in times of credit overheating …
Persistent link: https://www.econbiz.de/10013020600
commercial banks, and then derived loan demand and supply functions from the estimation.It is found that the call rate, the … greatly by demand factors than by supply factors. Meanwhile, Saving banks loans have been affected mostly by supply factors …
Persistent link: https://www.econbiz.de/10013020601
Korean Abstract: 본고는 자기자본비율, 유동성비율, 레버리지비율 규제 등의 강화에 따른 은행의 행태변화를 이론적, 실증적으로 분석하였다. 이를 위해 은행이 수익 수준과 변동성을 감안하여 자산구성과 자금조달을...
Persistent link: https://www.econbiz.de/10013025997
Korean Abstract: 본 연구에서는 북한이탈주민의 신용행태를 분석하기 위해 신용정보 데이터(Credit Bureau data)를 이용하였다. 신용정보 데이터에서 북한이탈주민과 소득수준, 성별, 연령, 신용등급, 신용거래 기간 등이...
Persistent link: https://www.econbiz.de/10012921119
banks and life insurance companies may be significantly negatively affected …
Persistent link: https://www.econbiz.de/10013220881
Korean Abstract: 본 연구는 직접금융 방식으로 차입자와 투자자 간의 자금융통의 거래를 중개하는 P2P 대출중개 플랫폼이 전통적인 은행의 금융중개 역할을 대체할 수 있는지 또는 보완할 수 있는지를 이론적으로 살펴보았다....
Persistent link: https://www.econbiz.de/10012893798
Korean Abstract: 이 논문에서는 한국은행이 보유하고 있는 차주별 대출 및 연체DB를 이용하여 차주의 부실요인을 살펴보고 자영업대출을 포함한 가계대출이 유발하는 금융취약성을 점검하였다. 차주의 부실에 영향을 미치는...
Persistent link: https://www.econbiz.de/10012927602
economy DSGE model which to the best of my knowledge is the first to distinguish between ‘domestic banks’ and ‘global bank … branches’. These banks have distinctive features but are connected through currency swaps. My model predicts that global bank … branches amplify the effect of financial shock, which is a sudden deterioration in domestic banks’ soundness, by exacerbating …
Persistent link: https://www.econbiz.de/10014356046