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Gross loan flows, financial crises, and banking sector reforms : Evidence from Korea

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  • Gross loan flows, financial crises, and banking sector reforms
  • Hyun, Junghwan
  • Korean Securities Association


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Title Gross loan flows, financial crises, and banking sector reforms
Similar Titles
Sub Title

Evidence from Korea

Material Type Articles
Author(English)

Hyun, Junghwan

Publisher

[Seoul, South Korea] : Korean Securities Association

Date 2016-10
Journal Title; Vol./Issue sia-Pacific Journal of Financial Studies:vol. 45
Pages 24
Subject Country South Korea(Asia and Pacific)
Language English
File Type Link
Subject Economy < Economic Administration
Holding Wiley Online LIbrary
License

Abstract

This paper explores gross loan flows in Korea from 1984 to 2014 focusing on how gross loan flows differ before and after the 1997 global financial crisis and how they respond to the crisis and the associated banking sector reforms. The paper shows that sizable loan expansion and contraction, measured as deviations from the industry loan growth trend, coexist over time, indicating intense heterogeneity in bank lending. Also, the crisis and the reforms and restructuring of the banking sector are largely attributable to changes in gross loan flows in the post-crisis period. Particularly, banks' asset portfolio reallocation occurs from the commercial sector to individual customers after the crisis.