가계의 금융권 선택과 채무위험: 비은행권 대출을 중심으로

초록

There are voices worrying about the balloon effect caused by the tightening of banking regulations by the financial authorities. There are a number of studies showing that households with limited access to bank credit loans have shifted their demand for loans to non-bank loans, which have to bear high interest rates. Given that the total amount of non-bank financial loans is not large, it may not immediately lead to insolvency of financial institutions. However, if repayment of principal and interest is no longer possible due to various factors affecting the household economy, it may cause economic repercussions such as the collapse of the household economy. The purpose of this study is to analyze major variables related to the borrower’s borrowing from non-bank financial institution and their payment delinquency. This study found that non-regular workers, respondents with low level of income or wealth, and respondents living in non-metropolitan areas were more likely to borrow money from non-bank financial institutions. In addition, respondents living in the metropolitan areas, those who borrowed money due to debt repayment, and those with an excessive debt-to-asset ratio were more likely to default.

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