歯신용카드시장현상.PDF

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2 ,.. : Tel / Fax / E- mail ajh@fki.or.kr - 5 -

3 / 4 2. / / / / / 35 : /

4 1., ( ), , 17 ( 7, 6, 3, 1)

5 < 1> ( :, %, ) 7, , , ,293 56,246 24,283 9,635 51,057 20, ,858 1,624 14,827 21,255 18,250 6,086 1, ,022 2,506 77, ,942 5,467 5, ,652 ( ) (1 ) (30 ) , , ,257 43,114 21,713 3,554 39,680 20, , ,082, ,240 1,167,517 1,107, ,872 57,202 14, , ,379 4,912,762 23,023 17,313 22,949 20,004 9,416 2, ,899 2, ,705 22,197 16,941 20,310 19,793 9,202 2, ,706 2, , ,093 1,959 1,634 2,584 1,728 2,283 1,856 1, ,425 15,026 :, : Van (Van : Value Added Network) ( ) - Van -, CAT - 8 -

6 , ,503, 10, < 2> / 4 ( ) 4,469 4,230 3,899 5,788 8,933 10, ( ) ,263 1,503 ( )** 72,115 63,557 95, , , ,460 ( ) ,475 9,379 25,942 13,652 * (, ) ** 98 : , 3 8, ,

7 /

8 < 3> ( : ) (8.0) (4.6) (4.1) (5.5) * (4.0) (0.6) : * : (6.2) % % % % , % %, 11.25% %, 2.13%,

9 % 2 6,127 ( : ) < 4> ( :, %) (A) [90.3] [90.3] [89.5] [89.5] [88.8] [89.3] [89.2] [70.1] [70.8] [71.3] [72.2] [72.4] [73.6] [73.7] 30.0 [11.2] 32.5 [11.8] 34.8 [11.8] 37.6 [11.9] 38.3 [11.2] 42.4 [11.5] 46.6 [11.7] 54.1 [20.3] 54.0 [19.6] 54.0 [18.2] 54.8 [17.3] 56.2 [16.4] 57.8 [15.7] 61.4 [15.4] (B) 25.8 [ 9.7] 26.7 [ 9.7] 30.9 [10.5] 33.1 [10.5] 38.2 [11.2] 39.3 [10.7] 43.1 [10.8] [6.4] 18.7 [6.8] 22.2 [7.5] 24.0 [7.6] 28.9 [8.5] 30.0 [8.1] 32.6 [8.2] (A+B) ),,,, 2),,,, 3) [ ] :

10 (25.2 ) 2 GDP ( / 43.9%, 24.4%) - 20 < 5> ( : %) / GDP / N.A : % 9 9.1%, 6 9.4% %. ( %)

11 < 6> (, %) : 5.5% ( ) % 9 6.7% %. 50% %

12 ( ) - 3, ( 9 8 ) 5 ( ) (0.5 ) %

13 < 7> ( ) ( :, %, %p) (9 ) (3 ) (1,252 ) (A ) (B) (A/B) (C) (C/B) (117 ) (18 ) (21 ) (A ) (B) (A/B) (C) (C/B) (6 ) (1,426 ) (A ) (B) (A/B) (C) (C/B) : = ( - ) / : ( - )

14 < 8> (, ) * : : 20 (3,360 ) 7% 3.3 (1%, / 4 )

15 < 9> ( : %) ( ) : 2/ 4., : (0.5% 0.75%), (2% 5%), (50% 55%) : (0.5% 1%), (4.5% 7%) : - ( ) - (1 3 ) - (3 ) - (3 6 ) - (6 ),

16 : ( ) 50% ( ) 1) (Credit Repair Program) 2) - ( ) - ( )

17 ( + ),, ( + ) % % / % ( ABS 67.1% ) % % < 10> ( : ) (15.1) (23.5) (20.2) (26.7) (17.4) 2002 (02. 3/ 4) : (%) : 5.8 (20.8) 24.0 (10.1) 8.3 (23.9) 47.4 (9.9) 11.5 (23.0) 14.0 (50.2) (61.3) 10.7 (30.8) (55.7) 16.1 (32.3) 3.9 (14.0) 12.0 (5.1) 8.7 (25.1) 37.3 (7.8) 12.4 (24.8)

18 - (01 ) : 21.2%, (00 ) : 24.4%, (99 ) : 11.0%, (99 ) : 13.3% % -, 50% , 50% (ABS )

19 - -,, -,, (universal banking) 50% -. 50%

20 IMF % (9.9% 19.99%) ( %)

21 < 11> ( : %) (5/ 28) (1/ 1) 19.9(8/ 1) (5/ 28) (1/ 1) 21.0(6/ 1) (7/ 8) (2/ 1) (7/ 30) (3/ 18) 2002 (3.1 ) 7.5%, 9.5% 19% 2% :,

22 -., (,,,, ) : -.,. (Credit Bureau) - (Credit Bureau : CB) - : CB, (,,,,, ) - :

23 4.3 (, 10%) 6-3 0%

24 ,,

25 % % ( < 8> ) - -, 10% ( )

26 6, -, - 15, ( 2,, ),,,

27 -, portal service (, ) -., 4.5,

28 1 1,000 ( ) ( ) -,

29 ( ) , 4.7,

30 (fire w all) ) (Credit Repair Program) 2) ( ), -,,,,

31 -. : - -, -,, - 3,

32 5.2, /, - YMCA ,

33 5.3 ( ) - : - : ( ) - :

34 - 3, ( ) - ( ) ( ) ( : 50 ),,

35 - Tru th in Len din g Act 1967): 2000, 18 - Con su m er Credit Protection Act (1968):,,,,,, - Fair Credit Billin g Act(1974) - Fair Credit and Charge Card Disclosure Act(1988):., (APR),,,,, - Con su m er Credit Act (1974) 6.,

36 ,, ,,

37 -,, ( ) - - { : 1 1 (2,000 5 ) 2 (5,000, 3 ) } - - Credit Bureau -,

38 ,, ,, ,,,, ,, 19, ,,,, ,,, ,, 19, ,, KIF ,, 19, ,,,, ,, YMCA, Au su bel, Law rence M., "Th e Failu re of Com p etition in th e Cred it Card Market", American Economic Review, March Brito, Dagobert L. and Hartley, Peter R., "Con sum er N ation ality an d Credit Card s", Th e Journ al of Political Economy, April Calem, Paul S. and Mester, Loretta J., "Consum er Behavior and th e Stickin ess of Credit-Card Interest Tares", A merican Economic Review, December N ash, Robert C. and Sinkey Jr., Joseph F., "On comp etition, risk, and hid d en assets in th e m arket for bank credit card s", Jou rn al of Ban kin g an d Fin ance 21, Park, San gkyu n, "Effects of p rice com p etition in th e credit card in d u stry", Economics Letters 57, Sh affer, Sh errill, "Th e Com p etitive Im p act of Disclosu re Requ irem ents in t h e Credit Card In d u stry", Jou rn al of Regu latory Econ om ics 15,

39 < : > :,, 2. ( )

40 %

41 4. (02.1)

42 ATM , ( 50 )

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