카드론 규제와 리볼빙 서비스 이용 사이의 연관성 연구

Abstract

This study focused on whether the use of the revolving service to credit card, which has been rapidly increasing in recent years, is related to the strengthening of regulations on the supply of card loans by financial authorities. In addition, as feared by the financial authorities, current study tried to determine whether the increase in revolving assets causes deterioration in the soundness of credit card companies. This study empirically analyzes the above two topics using the latest financial data of credit card companies, and presents the following results. First, the use of revolving service showed a significant positive (+) correlation with card loan regulation. This is the result of supporting the previous study that the revolving service increases for temporary debt repayment in a situation where the use of card loans is limited. Second, it is confirmed that the soundness of credit card companies deteriorates when revolving assets increase. It is confirmed that an increase in revolving assets with a high risk premium leads to an increase in delinquency, which increases the non-performing loan ratio of credit card companies. In conclusion, it is necessary to take measures to restrict the supply of revolving services by card companies, and it is also necessary to review the policy of the financial authorities to temporarily ease restrictions on the supply of card loans.