A5071567053- Banking stability, regulation, efficiency
- Corporate Finance and Governance
- Insurance and Financial Risk Management
- FinTech, Crowdfunding, Digital Finance
- Firm Innovation and Growth
- Islamic Finance and Banking Studies
- Impact of AI and Big Data on Business and Society
- Market Dynamics and Volatility
- Working Capital and Financial Performance
- Banking Systems and Strategies
- Energy, Environment, Economic Growth
- Housing Market and Economics
- Financial Markets and Investment Strategies
- Credit Risk and Financial Regulations
- Microfinance and Financial Inclusion
- Technology Adoption and User Behaviour
- Technology and Data Analysis
- Financial Risk and Volatility Modeling
- Global Financial Crisis and Policies
- Digital Transformation in Financial Services
- Financial Literacy, Pension, Retirement Analysis
- Legal Studies and Reforms
- Complex Systems and Time Series Analysis
- Ergonomics and Musculoskeletal Disorders
- Financial Reporting and Valuation Research
Sangmyung University
2013-2024
Jeju National University Hospital
2019
WonKwang Health Science University
2014
Daegu Haany University
2010
Using a panel logit regression model, this study analyzes whether or not five categorized financial supports for small and medium enterprises (SMEs) from the governments of 11 Organization Economic Cooperation Development (OECD) countries facilitate economic employment growth: (1) direct government loans to SMEs; (2) government‐guaranteed (3) reinforcement relationship banking; (4) stability steps ease pro‐cyclicality; (5) equity‐linked financing. The academic contribution research is in...
This study examines the effects of oil shocks by their respective causes and volatility spillover including leverage effects. Previous studies did not analyze factor categorizing it into three components (supply shock, demand market shock) as determinants rate return in stock markets, a key issue finance. Results show that determine returns global market, bond foreign exchange energy vary types levels prices, shocks. Second, effect shock are mostly statistically significant during periods...
Purpose: This research is a correlative study to assess the relationships of musculoskeletal subjective symptoms disorders and health promotion behavior daily plant construction workers. Methods: The subjects were comprised 306 workers by self-reported questionnaires on October 19, 2011. instruments used for this (NIOSH) lifestyle profile II (HPLP-II). data analyzed using SPSS/WIN 14.0. Results: scores 2.13, significantly different depending gender (t=-2.51, p=.013), religion (t=3.10,...
This paper investigates the procyclicality of bank loans to Small and Medium Enterprises (SMEs) Large (LEs) using aggregated cross-sectional data from major private, foreign, state-owned banks in Korea period 1999 2008. Based on previous studies, it is hypothesized that compared LEs, SMEs may be more vulnerable external economic shock. Berger Udell (1994) suggested are comparatively risky due their relatively low collateral heavy dependence for raising funds. In this study, empirical tests...
This study analysed the relationship between implementation of Central Bank Korea's tight monetary policy due to recent deepening inflation and soundness Korean banks. focused on fact that recently published research results Jung (2023) were different from previous results. The traditional result is reduces loan defaults by shrinking banks' lending capacity. However, (2023), who banks in EU, claims do not increase despite easing policy. empirically risk indicators evaluate financial dividing...
This study empirically analyzes the mechanism between changes in loan portfolio weight and gross domestic product (GDP) shock, which is recognized as a systematic risk factor. Based on research of Baele et al., insists that well-diversified bank portfolios increase risk, aims at determining whether South Korean banks reduce their by flexibly adjusting to mitigate from GDP shock. The generalized method moments with panel data drawn 17 used this empirical study. main results show exhibit...
Abstract This article aims to examine the determinant factors in pricing of petroleum products Korea. The study is designed test whether world crude oil price and diversification import sources determine gasoline, diesel, kerosene by using two-factor arbitrage theory model used field finance. main results from are as follows. First, prices all have a negative relationship with an inverse sources. Second, evidence indicates that determined risk premium two factors. contributes literature...
This study investigates the hypothetically influential factors in profitability of Korean credit card firms based on findings previous studies. By using recent business data, determines whether internal and external affect operating activities firms. The main are as follows. First, mainly affected by portion interest margin contribution from perspective diversification. Second, level risk management plays a critical role enhancing their profitability. Third, large asset investment is not...
최근 카드거래 등 금융거래정보를 활용하여, 경제성장률, 소비, 고용, 물가수준 국민경제의 주요지표를 실시간으로 추정하는 글로벌 연구흐름이 주목을 받고 있다. 본 연구는 새로운 연구흐름을 고려하여, 국내 카드사용변화가 가계수입 및 소비지출 전망에 미치는 영향력을 실증적으로 분석했다. 연구의 주요 결과는 다음과 같다. 첫째, 동향 예측의 영향요인은 신용카드 사용변화인 것으로 확인되어, Qi, Yang(2003)의 연구결과를 지지하였다. 둘째, 일시불 거래 현금서비스의 이용변화가 예측에 효과적인 확인되었다. 증가, 현금서비스 증가는 각각 가계수입의 감소와 관련성이 있었다. 셋째, 소비지출동향 신용카드거래는 할부 사용변화율이었다. 할부거래가 비교적 오랜 기간 소비를 유발하는 금융거래라는 점에서 해당 소비지출의 증가와 하지만, 소비지출변화와 부(-)의 관련성을 보였다. 결론적으로 민간부문의 지급결제수단인 거래정보를 물가, 고용 등의 국가경제지표 추정도 가능하도록 후속연구가 활성화되기를...
본 연구는 가계대출 억제 및 기업대출의 증대를 유도하기 위해 국내에서 시행이 예정된 금융규제의 정책효과를 실증적으로 분석하였다. 국내 은행들을 대상으로 금융감독당국에서 계획중인 위험가중치 조정, 예대비율산정방식 변경, 경기대응완충자본의 신설 시행을 가정하여, 해당 효과를 정책 전후로 비교분석하였다. 분석을 통한 주요 연구결과는 다음과 같다. 첫째, 가계대출의 증가가 이루어질 경우 가계대출감소가 증가로 나타나지 않았다. 오히려 위험가중자산의 증가는 은행의 위험회피성향을 높여, 중소기업대출을 축소시키는 것으로 분석되었다. 둘째, 예대비율 산정시 가중치 조정이 시행될 경우에도 마찬가지로 감소가 중소기업대출증가로 이어지지 즉, 예대비율의 산정과정에서의 가중치의 차별적 당초 기대한 정책효과로서 유도하는 데에는 한계가 있었다. 셋째, 신설은 은행으로 하여금 자본확충을 유도함으로써, 위험대출자산인 중소기업대출의 증가를 결과를 보였다. 결론적으로 경기대응완충자본제도외의 정책의 한계점이...
This study examined the effects of reinforcing regulation policy mortgage loans on household provided by Korean commercial banks when interest rate went up alongside climbing U.S. federal rate. The main results this are as follows: First, regarding soundness tightly regulating loans, lowering loan-to-value (LTV) and debt-to-income (DTI) ratios may increase supply for households. current infers that reduction in expanding housing loan banks. Second, tight led to a rapid loans. evidence is...