evidence from international panel data shows that population aging is associated with a higher growth rate of household net … assets and does not suppress household debt growth. In addition, the insurance, pension and asset management industries are … households. To complement the international panel data analysis, we also implement a simulation of household balance sheets based …

English Abstract: Korean government and related industry are exerting all possible efforts for a reasonable credit card … fee system. Recently, they proposed the new credit card fee standard that decreases the card fees of middle- and small … possibility of conflict (dispute) between credit card companies and merchants. Using the theory of two-sided markets, this paper …

, multiple loan amount and consumer credit ratings ‒ and systemic risk. We find that an increase in household loans is a leading … 대출정보가 시스템적 리스크와 관련이 있는 것으로 나타났다. 본 연구는 개인 신용평가사(Credit Bereau, 이하 CB)가 보유한 개인신용 정보를 이용하여 시스템적 리스크와 가계대출과 관련한 다양한 개인신용 정보와의 …English Abstract: This paper examines the relation between household's loan information – such as household loans …

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 …

based on loan characteristics and credit ratings (individual factors), and to examine how these factors determine the … borrower's credit rating, have bigger impacts on increases in the PDs of self-employed borrowers compared to non …

English Abstract:This paper is study on household’s credit constraints, a special form of financial exclusion. Credit … authorities need to carrry out household credit policies in a way that encourages banks to extend the grey zone loans actively … households borrowing non-banking credit loans as credit constraint households. The analysis results show that the most dominant …

rescheduling from Credit Counseling and Recovery Service(CCRS) since 2014. The main findings of this study are as follow. First …