은행의 가계대출과 재무건전성

We analyzed the relationship between household loans and financial stability of Korean banking industry. Using the data from the Bank of Korea and the Financial Supervisory Service, we made the panel data set including household loan ratio, BIS ration, basic equity ratio, etc. We found no significant relationship between household loans and financial stability of Korean banking industry. However, this relationship has significantly changed since the 2008 global financial crisis. Compared with the relationship of the pre-financial crisis period, the relationship of the post-financial crisis has improved positively. We expect that these results will give new insights and contributions to the preceding researches as well as to the Korean governments who are interested in the risk from household loans.