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금융시장의 변화와 금융불평등도 및 금융극화 이론에 관한 연구

A Study on Changes in Financial Markets and Theories of Financial Inequality and Financial Polarization

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초록

본 연구는 금융시장의 변화하여 확대되는 것을 살펴보고, 급변하는 금융환경에서 금융소비자에 대한 금융불평도를 측정하는 방법론을 살펴본다. 주요국이나 국내에서 어떠한 신용정보가 신용평가를 위해 쓰이는 지에 대해 설명한다. 그러나 금융분야에서 가장 기본이 되는 신용등급이나 신용점수의 미시자료를 활용하는 것은 여러 가지 면에서 상당히 어렵다. 금융시장의 공급자 측면에서의 변화와 금융불평등 중에 대출시장에서 어떠한 불평등이 존재하는 지에 대한 방법론을 본 연구에 소개하였다. 또한, 금융불평등도를 연도별로 추정하는 방법론을 소개하고, 추정된 연도별 자료를 기반으로 분해방법론을 제시하였다. 또한 불평등지수들은 분포의 변동을 반영하지 못하기 때문에 극복하는 개념이 극화 또는 다극화 추정방법론과 분해방법론을 제시하고 있다.

Abstract

This study examines the change and expansion of the financial market, and examines the methodology for measuring the financial inequality of financial consumers in the rapidly changing financial environment. It explains what kind of credit information is used for credit evaluation in major countries or in Korea. However, it is quite difficult in many ways to use micro data of credit ratings or credit scores, which are the most basic in the financial field. Changes in the supplier side of the financial market are introduced, and the methodology of what kind of inequality exists in the loan market among financial inequalities is introduced in this study. In addtion, methodologies for estimating financial inequality by year are introduced, and decomposition methodologies are presented based on the estimated year-by-year data. Also, since inequality indices do not reflect distribution fluctuations, polarization estimation methodologies and decomposition methodologies are presented as concepts to overcome.

참고문헌 (95)

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