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Policy Study Introduction of Internet-Only Banks: Effects and Policy Tasks December 31, 2020

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Series No. 2020-15

Policy Study KOR Introduction of Internet-Only Banks: Effects and Policy Tasks #Banks and Financial Institutions
DOIhttps://doi.org/10.22740/kdi.ps.2020.15 P-ISBN979-11-5932-634-9 E-ISBN979-11-5932-697-4

December 31, 2020

  • 프로필
    KIM, Meeroo
  • 프로필
    OH, Yoonhae
  • KDI
Summary
This study examines the results of competition promotion in the banking industry due to the introduction of internet-only banks through empirical analysis. It discusses the direction that internet-only banks should pursue to improve consumer welfare in the future through overseas case studies.

The empirical analysis can be divided into two parts. First, this study examines whether the introduction of internet-only banks improved the inclusiveness of the credit loan market in the banking sector. To this end, we determine whether borrowers who were previously unable to receive credit loans from the banking sector increase the probability of successful lending to the banking sector after internet-only banks are introduced. Next, we examine whether the introduction of internet-only banks increased competition in the banking sector’s credit loan market and decreased the interest rate corresponding to the price of loan products.

The above two analyzes find that the introduction of the internet-only bank significantly improved the tolerance of the banking sector loan market, and at the same time, contributed to the drop in interest rates in the banking sector loan market. However, these benefits also tend to be biased towards borrowers with high credit ratings.

The analysis results provide two policy implications.

First, as the purpose of the introduction, internet-only banks need to expand the information combination system to use unstructured information to enhance credit evaluation capabilities. With the recent passage of the Data 3 Act, the legal and institutional framework for using unstructured information in credit evaluation has been laid and as such, the effectiveness of this new system should be bolstered. Next, it is essential that incentives are introduced to induce internet-only banks to focus on the credit loan market rather than the already saturated mortgage market.
Contents
발간사
요 약

제1장 서 론

제2장 인터넷전문은행 도입과정 및 선행연구
 제1절 인터넷전문은행 도입과정
 제2절 선행연구 소개

제3장 은행권 신용대출시장의 기초자료 분석
 제1절 은행 대출시장의 일반 현황
 제2절 인터넷전문은행 도입 전.후 신용대출시장 변화

제4장 연구가설 및 실증분석 방법 소개
 제1절 연구문제의 소개
 제2절 계량모형 소개
 제3절 자료의 소개 및 기초통계량

제5장 실증분석 결과 및 해석
 제1절 인터넷전문은행 도입으로 인한 금융포용 증가
 제2절 인터넷전문은행 도입이 은행 신용대출상품에 미친 영향
 제3절 종합 및 소결

제6장 인터넷전문은행 운영에 대한 평가 및 정책제언
 제1절 인터넷전문은행의 최근 영업실적
 제2절 중금리대출 실적 평가
 제3절 인터넷전문은행의 혁신성 평가
 제4절 정책제언

제7장 결 론

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