2002. 11-4 -
,.. : Tel 3771-0230 / Fax 3771-0130 / E- mail ajh@fki.or.kr - 5 -
- - 1. / 4 2. / 4 2.1 2.2 2.3 3. / 7 3.1 3.2 3.3 4. / 17 4.1 4.2 4.3 4.4 4.5 4.6 4.7 5. / 30 5.1 5.2 5.3 6. / 35 : / 39-6 -
1., ( ), 2. 2.1. - 9, 17 ( 7, 6, 3, 1) 26-7 -
< 1> ( :, %, ) 7,275 148,617 194,673 197,293 56,246 24,283 9,635 51,057 20,780 709,858 1,624 14,827 21,255 18,250 6,086 1,876 646 10,022 2,506 77,093 366 2,942 5,467 5,089-202 - 644-304 902 37 13,652 ( ) (1 ) (30 ) 734 120,315 112,773 160,257 43,114 21,713 3,554 39,680 20,636 522,775 6.6 10.3 7.8 7.41 16.2 9.5 12.0 8.3 11.7 9.2 4.9 7.3 5.7 5.8 12.2 6.7 9.1 5.2 6.4 6.7 1,082,451 765,240 1,167,517 1,107,432 362,872 57,202 14,376 243,294 112,379 4,912,762 23,023 17,313 22,949 20,004 9,416 2,242 409 5,899 2,450 103,705 22,197 16,941 20,310 19,793 9,202 2,224 377 5,706 2,365 101,612 826 372 143 211 214 18 32 193 85 2,093 1,959 1,634 2,584 1,728 2,283 1,856 1,274 283 1,425 15,026 :, 2002 9 : Van (Van : Value Added Network) ( ) - Van -, CAT - 8 -
, 99 2002 9 1,503, 10,371 1 4.6 < 2> 97 98 99 2000 2001 2002. 3/ 4 ( ) 4,469 4,230 3,899 5,788 8,933 10,371 1 2.1 2.0 1.8 2.7 4.0 4.6 ( ) 416 489 619 861 1,263 1,503 ( )** 72,115 63,557 95,084 237,252 480,679 331,460 ( ) 245 361 3,475 9,379 25,942 13,652 * (, ) ** 98 : 2.2 2001 480. 7 2 5, 3 8, 7 2002 1.4 2.4. 3.4 13,652-9 -
- - - - / - 2.3 3. 3.1 4 8 8-10 -
< 3> ( : ) 01.12 02.3 6 7 8 9 154.3 172.0 (8.0) 190.0 (4.6) 194.2 (4.1) 199.7 (5.5) 78.8 79.4 * 61.4 68.2 74.8.. (4.0) (0.6) 11.5 14.1 17.2...... : * : 205.8 (6.2) 2002 6 397.5 2000 12 266.9 6.86% 6 3 8.0% 354.4 7.8% 43.1 9.6% 2002 6 46.6, 32.6 79.2 397.5 19.9% 2000 12 7.62%, 11.25% - 7.77%, 2.13%, - 11 -
2002 7 50% 2 6,127 ( : 1 978 ) < 4> 00.12 ( :, %) 2001 2002 3 6 9 12 3 6 (A) 241.1 [90.3] 249.5 [90.3] 265.0 [89.5] 283.2 [89.5] 303.5 [88.8] 328.8 [89.3] 354.4 [89.2] 187.0 [70.1] 195.5 [70.8] 211.0 [71.3] 228.5 [72.2] 247.3 [72.4] 271.1 [73.6] 293.0 [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] 4.4 4.8 5.6 6.3 6.2 6.6 7.6 4.2 3.3 3.1 2.8 3.1 2.7 2.8 17.2 [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) 266.9 276.2 296.0 316.3 341.7 368.1 397.5 1),,,, 2),,,, 3) [ ] : - 12 -
2002 6 27.2 2002 3 (25.2 ) 2 GDP ( / 43.9%, 24.4%) - 20 < 5> ( : %) 97 98 99 00 01 02.6 01 00 / GDP 54.5 50.9 50.5 56.2 64.8 72.9 78.7 69 / 82.5 71.9 75.7 86.9 99.8 N.A 107.0 112 : 3.2 6 7.9% 9 9.1%, 6 9.4% 10 11.4%. (10 1.63%) - 13 -
< 6> (, %) 01.12 02.3 6 7 8 9 10 1.21 1.36 1.24 1.24 1.72 1.56 1.63 7.38 8.47 9.38 10.12 11.03 11.19 11.40 5.8 6.2 7.92 8.6 9.0 9.2.. : 5.5% (2002 6 ). 30 6 5.1% 9 6.7%. 2002 9 3 6 8 84 1%. 50% 1 8. 2.3-2.6% - 14 -
(2001 12 ) - 3, ( 9 8 ) 5 ( ) 2002 2.4 (0.5 ) 0.1 1.1% - 15 -
< 7> (2002. 6 ) ( :, %, %p) (9 ) (3 ) (1,252 ) 2002. 2002. 2002. 2002. 3 6 3 6 2002. 2002. 3 6 (A ) 0.5 0.6 0.1 0.9 0.8 0.1 1.3 1.3 - (B) 47.4 55.1 7.7 2.8 2.8-10.8 10.9 0.1 (A/B) 1.1 1.1-32.1 28.6 3.5 12.0 11.9 0.1 (C) 0.1 0.1-0.3 0.3-0.6 0.5 0.1 (C/B) 0.2 0.2-13.6 13.6-5.9 5.0 0.9 (117 ) (18 ) (21 ) 2002. 2002. 3 6 2002. 2002. 3 6 2002. 2002. 3 6 (A ) 3.1 2.6 0.5 3.4 2.7 0.7 3.7 3.7 - (B) 16.9 17.0 0.1 8.5 7.1 1.4 18.0 20.1 2.1 (A/B) 18.3 15.3 3.0 40.0 38.0 2.0 20.6 18.4 2.2 (C) 1.9 1.4 0.5 0.8 0.8-0.6 0.6 - (C/B) 12.1 8.9 3.2 13.8 15.7 1.9 4.1 3.6 0.5 (6 ) (1,426 ) 2002. 2002. 3 6 2002. 2002. 3 6 (A ) 0.1 0.1-13.0 11.8 1.2 (B) 0.7 0.3 0.4 105.1 113.3 8.2 (A/B) 14.3 33.3 19.0 12.4 10.4 2.0 (C) 0.0 0.0-4.3 3.7 0.6 (C/B) 0.0 0.0-4.6 3.6 1.0 : = ( - ) / : ( - ) - 16 -
< 8> (, ) 01.12 02.3 6 7 * 8 245.0 245.5 249.6 231.0 238.2 : 2002 7 1 5 30 : 20 (3,360 ) 7% 3.3 (1%, 2002. 3/ 4 ) - 17 -
< 9> ( : %) ( ) 1.0 7 12 20 60 100 0.75 5 8 20 55 100 0.5 0.75 2 5 20 50 100 0.5 1 1 2 50 75 100 : 2/ 4., : (0.5% 0.75%), (2% 5%), (50% 55%) : (0.5% 1%), (4.5% 7%) : - ( ) - (1 3 ) - (3 ) - (3 6 ) - (6 ), - 18 -
: (2002 3 ) 50% (2003 12 ) 1) (Credit Repair Program) 2) - (2002 5 ) - (2002 10 ). - 19 -
4. 4.1 ( + ),, ( + ) 2000 64.2% 2001 55.9% 2002 3/ 4 57.2% ( ABS 67.1% ) - 2001 63.5% 2000 66.4% < 10> ( : ) 2000 2001 4.2 (15.1) (23.5) 55.6 7.0 (20.2) (26.7) 128.4 8.7 (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) 145.3 (61.3) 10.7 (30.8) 267.7 (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) 27.9 236.9 34.7 480.8 49.9-20 -
- (01 ) : 21.2%, (00 ) : 24.4%, (99 ) : 11.0%, (99 ) : 13.3% 2002. 4 22% -, 50% - 2002. 7. 1, 50% 2003. 12 (ABS 2004. 12 ) - 21 -
- -,, -,, (universal banking) 50% -. 50% - - 22 -
- - - 4.2 IMF 2001 14.0 25.8% (9.9% 19.99%) (19.8 28.8%) - 23 -
< 11> ( : %) 2001.12 2001.3 2002.7 15.5 25.8(5/ 28) 14.0 23.8(1/ 1) 19.9(8/ 1) 15.5 25.8(5/ 28) 14.2 23.8(1/ 1) 21.0(6/ 1) 14.0 25.8(7/ 8) 13.8 23.7(2/ 1) 14.5 25.7(7/ 30) 13.0 23.7(3/ 18) 2002 (3.1 ) 7.5%, 9.5% 19% 2% :, - - 24 -
-., (,,,, ) : -.,. (Credit Bureau) - (Credit Bureau : CB) - : CB, (,,,,, ) - : - 25 -
4.3 (, 10%) 6-3 0% - 30 100 - - - 26 -
- - - 4.4,, - - - - 27 -
- - 2000 12 47.5 2001 12 71.9 51.4% 2002 3 3 110 15.3% ( < 8> ) - -, 10% ( ) - 28 -
6, -, - 15, - - - ( 2,, ),,, - 29 -
-, portal service (, ) -., 4.5, - - 30 -
1 1,000 ( 70 3 2 ) 4.6. - ( 70 3 2 ) -, - 31 -
( ) - - - -, 4.7, - 32 -
(fire w all). 5. 5.1 1) (Credit Repair Program) 2) ( ), -,,,, - 33 -
-. : - -, -,, - 3, - 34 -
5.2, /, - YMCA - - - - -, - 35 -
5.3 ( ) - : - : ( ) - : - - - - 36 -
- 3, ( ) - ( ) 1 500 1 200 ( ) ( : 50 ),, - 37 -
- 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., - 38 -
,, 2002 2.4 -,, -. - 39 -
-,, ( ) - - { : 1 1 (2,000 5 ) 2 (5,000, 3 ) } - - Credit Bureau -, - - - - - - - 40 -
,, 2002. 4.,, 2002. 5,,,, 2002. 4,, 19, 2002. 3,,,, 2002. 9.,,, 1997. 4,, 19, 2002. 3.,, KIF 2001. 6,, 19, 2002. 3.,,,, 2002. 10.,, YMCA, 2000. 10 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 1991. 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 1995. 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 1995. 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, 1997. Park, San gkyu n, "Effects of p rice com p etition in th e credit card in d u stry", Economics Letters 57, 1997. 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, 1999. - 41 -
< : > 1. 2001 2 :,, 2. (2001.12) - 42 -
- 6 3. 50% - 43 -
4. (02.1) 25 60 3. - 44 -
ATM - 1 500 1 200 5., ( 50 ) - 45 -