• Journal of Venture Innovation
• /
• v.2 no.2
• /
• pp.117-126
• /
• 2019

This study conducted correlation analysis and multiple regression analysis using financial statements, loan structure, ROA and ROA volatility of domestic commercial banks, regional banks and special banks for the past five years (2012 ~ 2016). The result is as follows. First, as a result of correlation analysis, bank's ROA is positively related to household loans and SME loans, but it is negatively correlated with the ratio of loans to large companies, sector bias, and loan loss provision ratio. Second, ROA volatility was negatively related to household loans and SME loans, but it was positively correlated with large corporate loans, sector bias ratio, and loan loss provision ratio. Third, as a result of the regression analysis, the variables that have a statistically significant effect on the ROA volatility of banks were household loans, SME loans, and large enterprise loans. From these empirical results, special banks with high volatility in profits need to diversify loan types and sectors in order to achieve business performance outside of policy finance. and Especially, Suhyup Bank and Nonghyup Bank, which have a large commercial role, have a large size per unit by focusing on short-term profit and Rather than focusing on large companies or large loans that are easy to obtain financial information, it is necessary to focus management capabilities on household loans and SME loans by developing capabilities such as screening techniques.

• Informatization Policy
• /
• v.22 no.4
• /
• pp.68-90
• /
• 2015

This study aims, to review and analyze the trend of the paradigm shift of government innovation focused on the relation between government and citizens. This paper tries to analyze the effects and performance of government innovation through the government 3.0 model, which is highlighted in Korea. This paper chooses higher-education loan programs as the case to study and analyzes results using government innovation theories. Especially, this paper re-organizes Korea's higher-education loan programs with 'Government 3.0 model'. We can expect 'Government 3.0 model'is usefull when explaining the specific policy program innovation loan. Lastly, this paper looks, at improvement points in Korea's higher-education loan programs.

• Land and Housing Review
• /
• v.5 no.4
• /
• pp.259-269
• /
• 2014

After global financial crisis, the ratio of household debt to GDP was decreasing in other advanced countries such as the U.S., and the U.K. and so on. But, in Korea, household debt (of which residential mortgage loan account for a large part) ratio is still increasing. This paper focuses on the scale and characteristics of households in negative housing equity (those are called House-poors in Korea), and also the socio-economic backgrounds of the formation process. In financial perspective, the problem of negative housing equity depends on financial debt repayment capability. We used DSR (Debt Service Ratio) and LTA (Loan to Asset ratio) as financial indicators to evaluate the debt repayment capability. The critical value of DSR is assumed as 40%, and LTA 100%. The socio-economic backgrounds of the House-poors are as follows : increasing households debt dependency, over lending competition of financial institutions and unreasonable loan in household economy, instability of real estate market, week regulation on mortgage loan. Finally, this paper suggests some implications about the range and the target of public intervention.

• The Journal of the Convergence on Culture Technology
• /
• v.5 no.4
• /
• pp.277-282
• /
• 2019

This study analyzed the determinants of the financial Soundness of savings banks. In particular, empirical analysis was carried out on how the loan deposit ratio correlates with financial soundness after restructuring. As the restructuring of savings banks was finalized in 2014, asset management changed and it is time to analyze the financial characteristics of savings banks. In summary, the relationship between the savings bank lending rate and the NPL ratio is estimated to have a negative value at the 1% significance level. In other words, the higher the mortgage rate, the lower the substandard and below ratio. It can be said that it is not easy for a savings bank to build an aggressive loan portfolio. In other words, the more difficult it is to finance loans through savings deposits, the more likely the risk aversion tends to be. The higher the corporate loan ratio, average interest expense, and economic growth rate, the higher the risk index. The larger the asset size and the higher the loan growth rate, the lower the risk index. Increasing the mortgage rate may reduce risk-seeking behavior, but it does not mean that it is unconditionally positive for savings banks. Therefore, the loan deposit rate regulation should reduce the incentives for excessive asset expansion and manage preemptive soundness through lending portfolio management.

• Korea Real Estate Review
• /
• v.28 no.4
• /
• pp.7-22
• /
• 2018

This study aimed to empirically analyze the factors that influence newlyweds' housing tenure. For this, a questionnaire survey was conducted among newlyweds living nationwide who had been married for 5 years or less and were under the age of 40. The results of the survey were empirically analyzed by applying various variables. With regard to parental financial support among the factors influencing newlyweds' housing tenure, the analysis results showed that the probability of owner occupancy was high among the households with parental financial support than among those with none, and the larger the size of the parental financial support was, the higher the probability that the newlyweds owned the house they were occupying. As for the housing loan variable, it was found that the probability of owner occupancy was high among the newlyweds with a housing loan than among those with none, and the larger the amount of the newlyweds' housing loan was, the higher the probability that they owned the house they were occupying. As opposed to what is generally recognized, however, the survey showed that the higher the ratio of dual earners is, the lower the owner occupancy probability due to the probability of job transition, etc. In addition, it was found that the probability of owner occupancy for the newlyweds living in Seoul was lower than that for the newlyweds living in other regions in South Korea. Accordingly, this study showed that appropriate levels of parental economic indicators should also be reflected in the stable housing support and loan policies for newlyweds in the context that the succession to their parents' fortunes is generalized.

• KDI Journal of Economic Policy
• /
• v.37 no.3
• /
• pp.55-74
• /
• 2015

This study examines the effect of a one-on-one outsourced pre-lending consulting service on the repayment behavior of microcredit borrowers in Korea with administrative data from the Smile Microcredit Bank. A random change in the cut-off loan amount for mandatory consulting is utilized as an identification strategy. This three-day pre-lending business consulting service is effective in encouraging repayment behavior of existing businesses but it has no significant effect on start-up loans. The effectiveness of the consulting service in deterring delinquency with regard to existing loans is greater among male borrowers than among females.

• KDI Journal of Economic Policy
• /
• v.43 no.4
• /
• pp.45-67
• /
• 2021

We analyze the social welfare effect when a policy-based financial system (PFS) enters a decentralized financial market. Particularly, the PFS in this case supports the interest spread for corporate loans held by firms with heterogeneous bankruptcy decisions under an imperfect information structure. Although support for capital costs through the PFS expands the economy consistently, the optimal level of PFS out of the corporate loan market is estimated to be 8.6% by a simulation model considering social welfare adjusted by the disutility of labor. This result is much lower than the recent level of PFS in the Korean financial sector.

• Journal of the Korean Society for information Management
• /
• v.19 no.1
• /
• pp.71-88
• /
• 2002

The purpose of this use study is to evaluate foreign science and technology serials with reference to the result of interlibrary loan activity and to present the model of cooperative acquisition. This study was based upon an analysis of actual use data by library users and Interlibrary loan from March 1, 2000 to February 28, 2001. 603 titles of foreign serials which were composed of 459 subscription titles of I University Library and 144 cooperative acquisition titles in the fields of science and technology were analyzed. The study reveals that only 439 serials(72.8%) were used even more once and 164 serials were not used at all during 1 year interval. A relationship was found between rankings of serials as measured by use and JCR citation ranking. Based upon various aspects of use analysis, this study suggested effective techniques for managing academic serials.

• Korean Journal of Construction Engineering and Management
• /
• v.13 no.6
• /
• pp.45-53
• /
• 2012

Recently, with achieved US$ 500 Billion international cumulative construction order, the Korean government presented overseas construction industry visions for international orders of US$ 100 Billion and entering the top five countries in global construction market. Also, Korean companies are developing strategies for expansion of international markets. However, ODA loan projects are low risk for the Korea Construction companies trying to advance their overseas business. This study provides data-based advice on securing competence for Korean construction companies entering the global market through the ODA loan projects. To analysis construction firm's competitiveness for ODA loan project, FGD was utilized and BSA model was applied to the valuable analysis. Competencies highly assessed were construction quality control, relationship building through high-level diplomatic activities, and project management. Competencies requiring urgent improvement were handling risks of local countries, financing projects, and developing know-how within participating companies.

• Journal of the Korean housing association
• /
• v.23 no.5
• /
• pp.31-39
• /
• 2012

This study has analyzed the effect of the housing affordability improvement of the residents in the metropolitan areas, applying Transit Supportive Home Loan (TSHL) which extends the loan amount according to the transportation cost saving based on Location Efficiency Mortgage (LEM) System in the USA. The previous studies focused on introducing LEM system to Korea, whereas this study has analyzed TSHL effect for the first time, taking into account the situation in Korea. For analysis, The Transportation Savings (TS) is calculated and Housing Affordability Index (HAI) is drawn by applying increased TS and DTI (Debt to Income), so the improvements of housing purchasing ability is examined by HAI's improvement. As a result, transit commute 1 (having own car) and transit commute 2 (without having own cars) respectively produce the TS of monthly average 36 thousand won and 110 thousand won in comparison with car using commute. Each additional loan (TSHL) amounts to 16.57 million won and 54.07 million won. As the distance is farther and the house price cheaper, the improvement of HAI is more outstanding. City hall area showed the highest improvements of HAI by 9.3% (transit commute 1) and 21.9% (transit commute 2) increase, in comparison with car using commute.