시장 경쟁이 신용카드 연체부도율에 미치는 효과에 대한 실증분석 Empirical Analysis of Credit Card Delinquency Effect by Market Competition
고혁진, 서종현
- 언어KOR
- URLhttp://db.koreascholar.com/Article/Detail/245741
대한안전경영과학회지
제11권 제4호
(2009.12)
pp.261-267
pp.261-267
대한안전경영과학회
(Korea Safety Management & Science)
초록
The purposes of this article is to analyse how market competition of credit card company affect price(interest rate) and survival length of card users. This paper uses individual account data from a large Korean credit card company during the periods from 2002 to 2006. The findings of our study are as follows. First, market competition of credit card company have a negative effect with interest rate of credit card. Second, market competition of credit card company have a affirmative effect with survival length. Finally, The effect of Increasing delinquency rate due to price increase is smaller than decreasing delinquency rate due to extending survival length.
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